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$52,310
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$53,937
−HK$1,654/mo
Today · 4.125%
HK$55,591
baseline
▲ 0.50% · 4.625%
HK$58,973
+HK$3,382/mo
Deposit HK$11.47M · loan HK$11.47M · min. income ≈ HK$111,182/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$974,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,195
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$59,755
−HK$1,584/mo
Today · 4.125%
HK$61,339
baseline
▲ 0.50% · 4.625%
HK$64,572
+HK$3,233/mo
Deposit HK$11.47M · loan HK$11.47M · min. income ≈ HK$122,678/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$974,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,772
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$64,725
−HK$1,984/mo
Today · 4.125%
HK$66,709
baseline
▲ 0.50% · 4.625%
HK$70,768
+HK$4,059/mo
Deposit HK$9.18M · loan HK$13.76M · min. income ≈ HK$133,418/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$974,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,834
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$71,706
−HK$1,900/mo
Today · 4.125%
HK$73,606
baseline
▲ 0.50% · 4.625%
HK$77,486
+HK$3,880/mo
Deposit HK$9.18M · loan HK$13.76M · min. income ≈ HK$147,212/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$974,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,234
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$75,512
−HK$2,315/mo
Today · 4.125%
HK$77,827
baseline
▲ 0.50% · 4.625%
HK$82,562
+HK$4,735/mo
Deposit HK$6.88M · loan HK$16.06M · min. income ≈ HK$155,654/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$974,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,472
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$83,658
−HK$2,216/mo
Today · 4.125%
HK$85,874
baseline
▲ 0.50% · 4.625%
HK$90,401
+HK$4,527/mo
Deposit HK$6.88M · loan HK$16.06M · min. income ≈ HK$171,748/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$974,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,158
−HK$5,905/mo
▼ 0.25% · 3.875%
HK$97,087
−HK$2,976/mo
Today · 4.125%
HK$100,063
baseline
▲ 0.50% · 4.625%
HK$106,152
+HK$6,089/mo
Deposit HK$2.29M · loan HK$20.65M · min. income ≈ HK$200,126/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,750
−HK$5,660/mo
▼ 0.25% · 3.875%
HK$107,560
−HK$2,850/mo
Today · 4.125%
HK$110,410
baseline
▲ 0.50% · 4.625%
HK$116,230
+HK$5,820/mo
Deposit HK$2.29M · loan HK$20.65M · min. income ≈ HK$220,820/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,972 · Scale 2, in force from 26 Feb 2026)