The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$52,145
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$53,767
−HK$1,648/mo
Today · 4.125%
HK$55,415
baseline
▲ 0.50% · 4.625%
HK$58,787
+HK$3,372/mo
Deposit HK$11.43M · loan HK$11.43M · min. income ≈ HK$110,830/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$971,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,011
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,567
−HK$1,578/mo
Today · 4.125%
HK$61,145
baseline
▲ 0.50% · 4.625%
HK$64,368
+HK$3,223/mo
Deposit HK$11.43M · loan HK$11.43M · min. income ≈ HK$122,290/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$971,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,575
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$64,521
−HK$1,977/mo
Today · 4.125%
HK$66,498
baseline
▲ 0.50% · 4.625%
HK$70,545
+HK$4,047/mo
Deposit HK$9.15M · loan HK$13.72M · min. income ≈ HK$132,996/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$971,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,614
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$71,481
−HK$1,894/mo
Today · 4.125%
HK$73,375
baseline
▲ 0.50% · 4.625%
HK$77,242
+HK$3,867/mo
Deposit HK$9.15M · loan HK$13.72M · min. income ≈ HK$146,750/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$971,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,004
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$75,274
−HK$2,308/mo
Today · 4.125%
HK$77,582
baseline
▲ 0.50% · 4.625%
HK$82,302
+HK$4,720/mo
Deposit HK$6.86M · loan HK$16.01M · min. income ≈ HK$155,164/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,216
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$83,394
−HK$2,210/mo
Today · 4.125%
HK$85,604
baseline
▲ 0.50% · 4.625%
HK$90,116
+HK$4,512/mo
Deposit HK$6.86M · loan HK$16.01M · min. income ≈ HK$171,208/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,862
−HK$5,886/mo
▼ 0.25% · 3.875%
HK$96,781
−HK$2,967/mo
Today · 4.125%
HK$99,748
baseline
▲ 0.50% · 4.625%
HK$105,817
+HK$6,069/mo
Deposit HK$2.29M · loan HK$20.58M · min. income ≈ HK$199,496/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,420
−HK$5,642/mo
▼ 0.25% · 3.875%
HK$107,221
−HK$2,841/mo
Today · 4.125%
HK$110,062
baseline
▲ 0.50% · 4.625%
HK$115,863
+HK$5,801/mo
Deposit HK$2.29M · loan HK$20.58M · min. income ≈ HK$220,124/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,900 · Scale 2, in force from 26 Feb 2026)