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$52,500
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$54,133
−HK$1,659/mo
Today · 4.125%
HK$55,792
baseline
▲ 0.50% · 4.625%
HK$59,187
+HK$3,395/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$111,584/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,406
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,972
−HK$1,589/mo
Today · 4.125%
HK$61,561
baseline
▲ 0.50% · 4.625%
HK$64,806
+HK$3,245/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$123,122/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,000
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$64,960
−HK$1,991/mo
Today · 4.125%
HK$66,951
baseline
▲ 0.50% · 4.625%
HK$71,024
+HK$4,073/mo
Deposit HK$9.21M · loan HK$13.81M · min. income ≈ HK$133,902/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,087
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$71,967
−HK$1,906/mo
Today · 4.125%
HK$73,873
baseline
▲ 0.50% · 4.625%
HK$77,767
+HK$3,894/mo
Deposit HK$9.21M · loan HK$13.81M · min. income ≈ HK$147,746/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,500
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$75,786
−HK$2,323/mo
Today · 4.125%
HK$78,109
baseline
▲ 0.50% · 4.625%
HK$82,862
+HK$4,753/mo
Deposit HK$6.91M · loan HK$16.12M · min. income ≈ HK$156,218/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$978,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,768
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$83,961
−HK$2,225/mo
Today · 4.125%
HK$86,186
baseline
▲ 0.50% · 4.625%
HK$90,729
+HK$4,543/mo
Deposit HK$6.91M · loan HK$16.12M · min. income ≈ HK$172,372/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$978,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,500
−HK$5,926/mo
▼ 0.25% · 3.875%
HK$97,439
−HK$2,987/mo
Today · 4.125%
HK$100,426
baseline
▲ 0.50% · 4.625%
HK$106,537
+HK$6,111/mo
Deposit HK$2.30M · loan HK$20.72M · min. income ≈ HK$200,852/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,130
−HK$5,680/mo
▼ 0.25% · 3.875%
HK$107,950
−HK$2,860/mo
Today · 4.125%
HK$110,810
baseline
▲ 0.50% · 4.625%
HK$116,651
+HK$5,841/mo
Deposit HK$2.30M · loan HK$20.72M · min. income ≈ HK$221,620/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,509 · Scale 2, in force from 26 Feb 2026)