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$52,510
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$54,143
−HK$1,659/mo
Today · 4.125%
HK$55,802
baseline
▲ 0.50% · 4.625%
HK$59,198
+HK$3,396/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$111,604/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,416
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$59,983
−HK$1,589/mo
Today · 4.125%
HK$61,572
baseline
▲ 0.50% · 4.625%
HK$64,818
+HK$3,246/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$123,144/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,011
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$64,971
−HK$1,992/mo
Today · 4.125%
HK$66,963
baseline
▲ 0.50% · 4.625%
HK$71,037
+HK$4,074/mo
Deposit HK$9.21M · loan HK$13.82M · min. income ≈ HK$133,926/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,100
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$71,980
−HK$1,907/mo
Today · 4.125%
HK$73,887
baseline
▲ 0.50% · 4.625%
HK$77,782
+HK$3,895/mo
Deposit HK$9.21M · loan HK$13.82M · min. income ≈ HK$147,774/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,513
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$75,800
−HK$2,323/mo
Today · 4.125%
HK$78,123
baseline
▲ 0.50% · 4.625%
HK$82,877
+HK$4,754/mo
Deposit HK$6.91M · loan HK$16.12M · min. income ≈ HK$156,246/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$978,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,783
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$83,976
−HK$2,225/mo
Today · 4.125%
HK$86,201
baseline
▲ 0.50% · 4.625%
HK$90,745
+HK$4,544/mo
Deposit HK$6.91M · loan HK$16.12M · min. income ≈ HK$172,402/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$978,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,517
−HK$5,927/mo
▼ 0.25% · 3.875%
HK$97,457
−HK$2,987/mo
Today · 4.125%
HK$100,444
baseline
▲ 0.50% · 4.625%
HK$106,556
+HK$6,112/mo
Deposit HK$2.30M · loan HK$20.73M · min. income ≈ HK$200,888/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,149
−HK$5,681/mo
▼ 0.25% · 3.875%
HK$107,969
−HK$2,861/mo
Today · 4.125%
HK$110,830
baseline
▲ 0.50% · 4.625%
HK$116,672
+HK$5,842/mo
Deposit HK$2.30M · loan HK$20.73M · min. income ≈ HK$221,660/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,686 · Scale 2, in force from 26 Feb 2026)