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$52,368
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$53,997
−HK$1,655/mo
Today · 4.125%
HK$55,652
baseline
▲ 0.50% · 4.625%
HK$59,038
+HK$3,386/mo
Deposit HK$11.48M · loan HK$11.48M · min. income ≈ HK$111,304/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$976,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,259
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$59,821
−HK$1,586/mo
Today · 4.125%
HK$61,407
baseline
▲ 0.50% · 4.625%
HK$64,643
+HK$3,236/mo
Deposit HK$11.48M · loan HK$11.48M · min. income ≈ HK$122,814/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$976,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,842
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$64,796
−HK$1,986/mo
Today · 4.125%
HK$66,782
baseline
▲ 0.50% · 4.625%
HK$70,846
+HK$4,064/mo
Deposit HK$9.19M · loan HK$13.78M · min. income ≈ HK$133,564/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$976,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,911
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$71,786
−HK$1,902/mo
Today · 4.125%
HK$73,688
baseline
▲ 0.50% · 4.625%
HK$77,572
+HK$3,884/mo
Deposit HK$9.19M · loan HK$13.78M · min. income ≈ HK$147,376/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$976,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,315
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$75,596
−HK$2,317/mo
Today · 4.125%
HK$77,913
baseline
▲ 0.50% · 4.625%
HK$82,654
+HK$4,741/mo
Deposit HK$6.89M · loan HK$16.08M · min. income ≈ HK$155,826/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$976,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,563
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$83,750
−HK$2,219/mo
Today · 4.125%
HK$85,969
baseline
▲ 0.50% · 4.625%
HK$90,501
+HK$4,532/mo
Deposit HK$6.89M · loan HK$16.08M · min. income ≈ HK$171,938/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$976,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,263
−HK$5,911/mo
▼ 0.25% · 3.875%
HK$97,195
−HK$2,979/mo
Today · 4.125%
HK$100,174
baseline
▲ 0.50% · 4.625%
HK$106,269
+HK$6,095/mo
Deposit HK$2.30M · loan HK$20.67M · min. income ≈ HK$200,348/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$976,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,866
−HK$5,666/mo
▼ 0.25% · 3.875%
HK$107,679
−HK$2,853/mo
Today · 4.125%
HK$110,532
baseline
▲ 0.50% · 4.625%
HK$116,358
+HK$5,826/mo
Deposit HK$2.30M · loan HK$20.67M · min. income ≈ HK$221,064/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$976,050 · Scale 2, in force from 26 Feb 2026)