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$52,508
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$54,142
−HK$1,659/mo
Today · 4.125%
HK$55,801
baseline
▲ 0.50% · 4.625%
HK$59,197
+HK$3,396/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$111,602/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,415
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$59,982
−HK$1,589/mo
Today · 4.125%
HK$61,571
baseline
▲ 0.50% · 4.625%
HK$64,817
+HK$3,246/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$123,142/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,010
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$64,970
−HK$1,991/mo
Today · 4.125%
HK$66,961
baseline
▲ 0.50% · 4.625%
HK$71,036
+HK$4,075/mo
Deposit HK$9.21M · loan HK$13.82M · min. income ≈ HK$133,922/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,098
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$71,978
−HK$1,907/mo
Today · 4.125%
HK$73,885
baseline
▲ 0.50% · 4.625%
HK$77,780
+HK$3,895/mo
Deposit HK$9.21M · loan HK$13.82M · min. income ≈ HK$147,770/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,512
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$75,798
−HK$2,324/mo
Today · 4.125%
HK$78,122
baseline
▲ 0.50% · 4.625%
HK$82,875
+HK$4,753/mo
Deposit HK$6.91M · loan HK$16.12M · min. income ≈ HK$156,244/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$978,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,781
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$83,975
−HK$2,225/mo
Today · 4.125%
HK$86,200
baseline
▲ 0.50% · 4.625%
HK$90,743
+HK$4,543/mo
Deposit HK$6.91M · loan HK$16.12M · min. income ≈ HK$172,400/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$978,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,515
−HK$5,927/mo
▼ 0.25% · 3.875%
HK$97,455
−HK$2,987/mo
Today · 4.125%
HK$100,442
baseline
▲ 0.50% · 4.625%
HK$106,554
+HK$6,112/mo
Deposit HK$2.30M · loan HK$20.72M · min. income ≈ HK$200,884/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,147
−HK$5,681/mo
▼ 0.25% · 3.875%
HK$107,967
−HK$2,861/mo
Today · 4.125%
HK$110,828
baseline
▲ 0.50% · 4.625%
HK$116,670
+HK$5,842/mo
Deposit HK$2.30M · loan HK$20.72M · min. income ≈ HK$221,656/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,666 · Scale 2, in force from 26 Feb 2026)