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$52,477
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$54,110
−HK$1,658/mo
Today · 4.125%
HK$55,768
baseline
▲ 0.50% · 4.625%
HK$59,161
+HK$3,393/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$111,536/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$978,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,380
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,946
−HK$1,589/mo
Today · 4.125%
HK$61,535
baseline
▲ 0.50% · 4.625%
HK$64,778
+HK$3,243/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$123,070/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$978,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,973
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$64,932
−HK$1,990/mo
Today · 4.125%
HK$66,922
baseline
▲ 0.50% · 4.625%
HK$70,994
+HK$4,072/mo
Deposit HK$9.21M · loan HK$13.81M · min. income ≈ HK$133,844/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$978,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,057
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$71,935
−HK$1,907/mo
Today · 4.125%
HK$73,842
baseline
▲ 0.50% · 4.625%
HK$77,734
+HK$3,892/mo
Deposit HK$9.21M · loan HK$13.81M · min. income ≈ HK$147,684/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$978,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,468
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$75,754
−HK$2,321/mo
Today · 4.125%
HK$78,075
baseline
▲ 0.50% · 4.625%
HK$82,826
+HK$4,751/mo
Deposit HK$6.90M · loan HK$16.11M · min. income ≈ HK$156,150/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$978,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,733
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$83,925
−HK$2,223/mo
Today · 4.125%
HK$86,148
baseline
▲ 0.50% · 4.625%
HK$90,689
+HK$4,541/mo
Deposit HK$6.90M · loan HK$16.11M · min. income ≈ HK$172,296/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$978,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,459
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$97,397
−HK$2,986/mo
Today · 4.125%
HK$100,383
baseline
▲ 0.50% · 4.625%
HK$106,491
+HK$6,108/mo
Deposit HK$2.30M · loan HK$20.71M · min. income ≈ HK$200,766/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,085
−HK$5,677/mo
▼ 0.25% · 3.875%
HK$107,903
−HK$2,859/mo
Today · 4.125%
HK$110,762
baseline
▲ 0.50% · 4.625%
HK$116,601
+HK$5,839/mo
Deposit HK$2.30M · loan HK$20.71M · min. income ≈ HK$221,524/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,086 · Scale 2, in force from 26 Feb 2026)