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$52,503
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$54,136
−HK$1,660/mo
Today · 4.125%
HK$55,796
baseline
▲ 0.50% · 4.625%
HK$59,191
+HK$3,395/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$111,592/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,409
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$59,976
−HK$1,589/mo
Today · 4.125%
HK$61,565
baseline
▲ 0.50% · 4.625%
HK$64,810
+HK$3,245/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$123,130/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,004
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$64,964
−HK$1,991/mo
Today · 4.125%
HK$66,955
baseline
▲ 0.50% · 4.625%
HK$71,029
+HK$4,074/mo
Deposit HK$9.21M · loan HK$13.82M · min. income ≈ HK$133,910/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,091
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$71,971
−HK$1,907/mo
Today · 4.125%
HK$73,878
baseline
▲ 0.50% · 4.625%
HK$77,772
+HK$3,894/mo
Deposit HK$9.21M · loan HK$13.82M · min. income ≈ HK$147,756/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,505
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$75,791
−HK$2,323/mo
Today · 4.125%
HK$78,114
baseline
▲ 0.50% · 4.625%
HK$82,867
+HK$4,753/mo
Deposit HK$6.91M · loan HK$16.12M · min. income ≈ HK$156,228/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$978,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,773
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$83,966
−HK$2,225/mo
Today · 4.125%
HK$86,191
baseline
▲ 0.50% · 4.625%
HK$90,734
+HK$4,543/mo
Deposit HK$6.91M · loan HK$16.12M · min. income ≈ HK$172,382/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$978,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,506
−HK$5,926/mo
▼ 0.25% · 3.875%
HK$97,446
−HK$2,986/mo
Today · 4.125%
HK$100,432
baseline
▲ 0.50% · 4.625%
HK$106,543
+HK$6,111/mo
Deposit HK$2.30M · loan HK$20.72M · min. income ≈ HK$200,864/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,137
−HK$5,680/mo
▼ 0.25% · 3.875%
HK$107,957
−HK$2,860/mo
Today · 4.125%
HK$110,817
baseline
▲ 0.50% · 4.625%
HK$116,658
+HK$5,841/mo
Deposit HK$2.30M · loan HK$20.72M · min. income ≈ HK$221,634/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,570 · Scale 2, in force from 26 Feb 2026)