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$52,577
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,212
−HK$1,662/mo
Today · 4.125%
HK$55,874
baseline
▲ 0.50% · 4.625%
HK$59,273
+HK$3,399/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$111,748/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$979,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,491
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,060
−HK$1,591/mo
Today · 4.125%
HK$61,651
baseline
▲ 0.50% · 4.625%
HK$64,901
+HK$3,250/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$123,302/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$979,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,092
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$65,055
−HK$1,993/mo
Today · 4.125%
HK$67,048
baseline
▲ 0.50% · 4.625%
HK$71,128
+HK$4,080/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$134,096/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,189
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$72,072
−HK$1,909/mo
Today · 4.125%
HK$73,981
baseline
▲ 0.50% · 4.625%
HK$77,881
+HK$3,900/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$147,962/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,607
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$75,897
−HK$2,326/mo
Today · 4.125%
HK$78,223
baseline
▲ 0.50% · 4.625%
HK$82,983
+HK$4,760/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$156,446/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$979,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,887
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$84,084
−HK$2,228/mo
Today · 4.125%
HK$86,312
baseline
▲ 0.50% · 4.625%
HK$90,861
+HK$4,549/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$172,624/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$979,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,638
−HK$5,935/mo
▼ 0.25% · 3.875%
HK$97,582
−HK$2,991/mo
Today · 4.125%
HK$100,573
baseline
▲ 0.50% · 4.625%
HK$106,692
+HK$6,119/mo
Deposit HK$2.31M · loan HK$20.75M · min. income ≈ HK$201,146/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$979,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,284
−HK$5,688/mo
▼ 0.25% · 3.875%
HK$108,107
−HK$2,865/mo
Today · 4.125%
HK$110,972
baseline
▲ 0.50% · 4.625%
HK$116,821
+HK$5,849/mo
Deposit HK$2.31M · loan HK$20.75M · min. income ≈ HK$221,944/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$979,938 · Scale 2, in force from 26 Feb 2026)