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$52,518
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$54,152
−HK$1,659/mo
Today · 4.125%
HK$55,811
baseline
▲ 0.50% · 4.625%
HK$59,207
+HK$3,396/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$111,622/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,426
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$59,993
−HK$1,589/mo
Today · 4.125%
HK$61,582
baseline
▲ 0.50% · 4.625%
HK$64,829
+HK$3,247/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$123,164/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,022
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$64,982
−HK$1,992/mo
Today · 4.125%
HK$66,974
baseline
▲ 0.50% · 4.625%
HK$71,049
+HK$4,075/mo
Deposit HK$9.21M · loan HK$13.82M · min. income ≈ HK$133,948/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,111
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$71,991
−HK$1,908/mo
Today · 4.125%
HK$73,899
baseline
▲ 0.50% · 4.625%
HK$77,794
+HK$3,895/mo
Deposit HK$9.21M · loan HK$13.82M · min. income ≈ HK$147,798/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,525
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$75,812
−HK$2,324/mo
Today · 4.125%
HK$78,136
baseline
▲ 0.50% · 4.625%
HK$82,890
+HK$4,754/mo
Deposit HK$6.91M · loan HK$16.12M · min. income ≈ HK$156,272/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$978,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,796
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$83,990
−HK$2,225/mo
Today · 4.125%
HK$86,215
baseline
▲ 0.50% · 4.625%
HK$90,760
+HK$4,545/mo
Deposit HK$6.91M · loan HK$16.12M · min. income ≈ HK$172,430/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$978,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,533
−HK$5,928/mo
▼ 0.25% · 3.875%
HK$97,473
−HK$2,988/mo
Today · 4.125%
HK$100,461
baseline
▲ 0.50% · 4.625%
HK$106,573
+HK$6,112/mo
Deposit HK$2.30M · loan HK$20.73M · min. income ≈ HK$200,922/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,167
−HK$5,681/mo
▼ 0.25% · 3.875%
HK$107,987
−HK$2,861/mo
Today · 4.125%
HK$110,848
baseline
▲ 0.50% · 4.625%
HK$116,691
+HK$5,843/mo
Deposit HK$2.30M · loan HK$20.73M · min. income ≈ HK$221,696/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,846 · Scale 2, in force from 26 Feb 2026)