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$52,521
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$54,155
−HK$1,659/mo
Today · 4.125%
HK$55,814
baseline
▲ 0.50% · 4.625%
HK$59,210
+HK$3,396/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$111,628/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$978,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,429
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$59,996
−HK$1,590/mo
Today · 4.125%
HK$61,586
baseline
▲ 0.50% · 4.625%
HK$64,832
+HK$3,246/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$123,172/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$978,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,025
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$64,985
−HK$1,992/mo
Today · 4.125%
HK$66,977
baseline
▲ 0.50% · 4.625%
HK$71,053
+HK$4,076/mo
Deposit HK$9.21M · loan HK$13.82M · min. income ≈ HK$133,954/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,115
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$71,995
−HK$1,908/mo
Today · 4.125%
HK$73,903
baseline
▲ 0.50% · 4.625%
HK$77,798
+HK$3,895/mo
Deposit HK$9.21M · loan HK$13.82M · min. income ≈ HK$147,806/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,529
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$75,816
−HK$2,324/mo
Today · 4.125%
HK$78,140
baseline
▲ 0.50% · 4.625%
HK$82,895
+HK$4,755/mo
Deposit HK$6.91M · loan HK$16.12M · min. income ≈ HK$156,280/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$978,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,800
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$83,994
−HK$2,226/mo
Today · 4.125%
HK$86,220
baseline
▲ 0.50% · 4.625%
HK$90,765
+HK$4,545/mo
Deposit HK$6.91M · loan HK$16.12M · min. income ≈ HK$172,440/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$978,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,537
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$97,478
−HK$2,988/mo
Today · 4.125%
HK$100,466
baseline
▲ 0.50% · 4.625%
HK$106,579
+HK$6,113/mo
Deposit HK$2.30M · loan HK$20.73M · min. income ≈ HK$200,932/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,172
−HK$5,682/mo
▼ 0.25% · 3.875%
HK$107,993
−HK$2,861/mo
Today · 4.125%
HK$110,854
baseline
▲ 0.50% · 4.625%
HK$116,697
+HK$5,843/mo
Deposit HK$2.30M · loan HK$20.73M · min. income ≈ HK$221,708/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,897 · Scale 2, in force from 26 Feb 2026)