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$52,499
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$54,132
−HK$1,659/mo
Today · 4.125%
HK$55,791
baseline
▲ 0.50% · 4.625%
HK$59,186
+HK$3,395/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$111,582/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,405
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,971
−HK$1,589/mo
Today · 4.125%
HK$61,560
baseline
▲ 0.50% · 4.625%
HK$64,805
+HK$3,245/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$123,120/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,999
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$64,958
−HK$1,991/mo
Today · 4.125%
HK$66,949
baseline
▲ 0.50% · 4.625%
HK$71,023
+HK$4,074/mo
Deposit HK$9.21M · loan HK$13.81M · min. income ≈ HK$133,898/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,086
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$71,965
−HK$1,907/mo
Today · 4.125%
HK$73,872
baseline
▲ 0.50% · 4.625%
HK$77,766
+HK$3,894/mo
Deposit HK$9.21M · loan HK$13.81M · min. income ≈ HK$147,744/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,499
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$75,785
−HK$2,323/mo
Today · 4.125%
HK$78,108
baseline
▲ 0.50% · 4.625%
HK$82,860
+HK$4,752/mo
Deposit HK$6.91M · loan HK$16.12M · min. income ≈ HK$156,216/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$978,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,766
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$83,959
−HK$2,225/mo
Today · 4.125%
HK$86,184
baseline
▲ 0.50% · 4.625%
HK$90,727
+HK$4,543/mo
Deposit HK$6.91M · loan HK$16.12M · min. income ≈ HK$172,368/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$978,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,498
−HK$5,926/mo
▼ 0.25% · 3.875%
HK$97,438
−HK$2,986/mo
Today · 4.125%
HK$100,424
baseline
▲ 0.50% · 4.625%
HK$106,535
+HK$6,111/mo
Deposit HK$2.30M · loan HK$20.72M · min. income ≈ HK$200,848/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,128
−HK$5,680/mo
▼ 0.25% · 3.875%
HK$107,948
−HK$2,860/mo
Today · 4.125%
HK$110,808
baseline
▲ 0.50% · 4.625%
HK$116,649
+HK$5,841/mo
Deposit HK$2.30M · loan HK$20.72M · min. income ≈ HK$221,616/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,490 · Scale 2, in force from 26 Feb 2026)