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$52,489
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$54,122
−HK$1,659/mo
Today · 4.125%
HK$55,781
baseline
▲ 0.50% · 4.625%
HK$59,175
+HK$3,394/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$111,562/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,394
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$59,960
−HK$1,588/mo
Today · 4.125%
HK$61,548
baseline
▲ 0.50% · 4.625%
HK$64,793
+HK$3,245/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$123,096/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,987
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$64,946
−HK$1,991/mo
Today · 4.125%
HK$66,937
baseline
▲ 0.50% · 4.625%
HK$71,010
+HK$4,073/mo
Deposit HK$9.21M · loan HK$13.81M · min. income ≈ HK$133,874/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,072
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$71,952
−HK$1,906/mo
Today · 4.125%
HK$73,858
baseline
▲ 0.50% · 4.625%
HK$77,751
+HK$3,893/mo
Deposit HK$9.21M · loan HK$13.81M · min. income ≈ HK$147,716/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,485
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$75,771
−HK$2,322/mo
Today · 4.125%
HK$78,093
baseline
▲ 0.50% · 4.625%
HK$82,845
+HK$4,752/mo
Deposit HK$6.91M · loan HK$16.11M · min. income ≈ HK$156,186/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$978,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,751
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$83,944
−HK$2,224/mo
Today · 4.125%
HK$86,168
baseline
▲ 0.50% · 4.625%
HK$90,710
+HK$4,542/mo
Deposit HK$6.91M · loan HK$16.11M · min. income ≈ HK$172,336/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$978,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,480
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$97,419
−HK$2,986/mo
Today · 4.125%
HK$100,405
baseline
▲ 0.50% · 4.625%
HK$106,515
+HK$6,110/mo
Deposit HK$2.30M · loan HK$20.72M · min. income ≈ HK$200,810/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,109
−HK$5,678/mo
▼ 0.25% · 3.875%
HK$107,927
−HK$2,860/mo
Today · 4.125%
HK$110,787
baseline
▲ 0.50% · 4.625%
HK$116,627
+HK$5,840/mo
Deposit HK$2.30M · loan HK$20.72M · min. income ≈ HK$221,574/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,306 · Scale 2, in force from 26 Feb 2026)