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$52,367
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$53,996
−HK$1,655/mo
Today · 4.125%
HK$55,651
baseline
▲ 0.50% · 4.625%
HK$59,037
+HK$3,386/mo
Deposit HK$11.48M · loan HK$11.48M · min. income ≈ HK$111,302/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$976,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,258
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$59,821
−HK$1,585/mo
Today · 4.125%
HK$61,406
baseline
▲ 0.50% · 4.625%
HK$64,642
+HK$3,236/mo
Deposit HK$11.48M · loan HK$11.48M · min. income ≈ HK$122,812/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$976,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,841
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$64,795
−HK$1,986/mo
Today · 4.125%
HK$66,781
baseline
▲ 0.50% · 4.625%
HK$70,845
+HK$4,064/mo
Deposit HK$9.19M · loan HK$13.78M · min. income ≈ HK$133,562/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$976,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,910
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$71,785
−HK$1,902/mo
Today · 4.125%
HK$73,687
baseline
▲ 0.50% · 4.625%
HK$77,571
+HK$3,884/mo
Deposit HK$9.19M · loan HK$13.78M · min. income ≈ HK$147,374/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$976,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,314
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$75,595
−HK$2,317/mo
Today · 4.125%
HK$77,912
baseline
▲ 0.50% · 4.625%
HK$82,652
+HK$4,740/mo
Deposit HK$6.89M · loan HK$16.08M · min. income ≈ HK$155,824/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$976,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,561
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$83,749
−HK$2,219/mo
Today · 4.125%
HK$85,968
baseline
▲ 0.50% · 4.625%
HK$90,499
+HK$4,531/mo
Deposit HK$6.89M · loan HK$16.08M · min. income ≈ HK$171,936/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$976,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,261
−HK$5,911/mo
▼ 0.25% · 3.875%
HK$97,193
−HK$2,979/mo
Today · 4.125%
HK$100,172
baseline
▲ 0.50% · 4.625%
HK$106,267
+HK$6,095/mo
Deposit HK$2.30M · loan HK$20.67M · min. income ≈ HK$200,344/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$976,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,865
−HK$5,665/mo
▼ 0.25% · 3.875%
HK$107,677
−HK$2,853/mo
Today · 4.125%
HK$110,530
baseline
▲ 0.50% · 4.625%
HK$116,356
+HK$5,826/mo
Deposit HK$2.30M · loan HK$20.67M · min. income ≈ HK$221,060/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$976,036 · Scale 2, in force from 26 Feb 2026)