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$52,488
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$54,121
−HK$1,659/mo
Today · 4.125%
HK$55,780
baseline
▲ 0.50% · 4.625%
HK$59,174
+HK$3,394/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$111,560/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,393
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,959
−HK$1,589/mo
Today · 4.125%
HK$61,548
baseline
▲ 0.50% · 4.625%
HK$64,792
+HK$3,244/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$123,096/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,986
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$64,945
−HK$1,991/mo
Today · 4.125%
HK$66,936
baseline
▲ 0.50% · 4.625%
HK$71,009
+HK$4,073/mo
Deposit HK$9.21M · loan HK$13.81M · min. income ≈ HK$133,872/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,072
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$71,951
−HK$1,906/mo
Today · 4.125%
HK$73,857
baseline
▲ 0.50% · 4.625%
HK$77,750
+HK$3,893/mo
Deposit HK$9.21M · loan HK$13.81M · min. income ≈ HK$147,714/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,484
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$75,770
−HK$2,322/mo
Today · 4.125%
HK$78,092
baseline
▲ 0.50% · 4.625%
HK$82,844
+HK$4,752/mo
Deposit HK$6.91M · loan HK$16.11M · min. income ≈ HK$156,184/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$978,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,750
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$83,943
−HK$2,224/mo
Today · 4.125%
HK$86,167
baseline
▲ 0.50% · 4.625%
HK$90,709
+HK$4,542/mo
Deposit HK$6.91M · loan HK$16.11M · min. income ≈ HK$172,334/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$978,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,479
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$97,418
−HK$2,986/mo
Today · 4.125%
HK$100,404
baseline
▲ 0.50% · 4.625%
HK$106,513
+HK$6,109/mo
Deposit HK$2.30M · loan HK$20.72M · min. income ≈ HK$200,808/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,107
−HK$5,679/mo
▼ 0.25% · 3.875%
HK$107,926
−HK$2,860/mo
Today · 4.125%
HK$110,786
baseline
▲ 0.50% · 4.625%
HK$116,626
+HK$5,840/mo
Deposit HK$2.30M · loan HK$20.72M · min. income ≈ HK$221,572/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,294 · Scale 2, in force from 26 Feb 2026)