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$52,514
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$54,147
−HK$1,660/mo
Today · 4.125%
HK$55,807
baseline
▲ 0.50% · 4.625%
HK$59,202
+HK$3,395/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$111,614/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,421
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$59,988
−HK$1,589/mo
Today · 4.125%
HK$61,577
baseline
▲ 0.50% · 4.625%
HK$64,823
+HK$3,246/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$123,154/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,016
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$64,976
−HK$1,992/mo
Today · 4.125%
HK$66,968
baseline
▲ 0.50% · 4.625%
HK$71,043
+HK$4,075/mo
Deposit HK$9.21M · loan HK$13.82M · min. income ≈ HK$133,936/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,105
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$71,985
−HK$1,908/mo
Today · 4.125%
HK$73,893
baseline
▲ 0.50% · 4.625%
HK$77,788
+HK$3,895/mo
Deposit HK$9.21M · loan HK$13.82M · min. income ≈ HK$147,786/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,519
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$75,806
−HK$2,323/mo
Today · 4.125%
HK$78,129
baseline
▲ 0.50% · 4.625%
HK$82,883
+HK$4,754/mo
Deposit HK$6.91M · loan HK$16.12M · min. income ≈ HK$156,258/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$978,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,789
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$83,983
−HK$2,225/mo
Today · 4.125%
HK$86,208
baseline
▲ 0.50% · 4.625%
HK$90,752
+HK$4,544/mo
Deposit HK$6.91M · loan HK$16.12M · min. income ≈ HK$172,416/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$978,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,524
−HK$5,928/mo
▼ 0.25% · 3.875%
HK$97,465
−HK$2,987/mo
Today · 4.125%
HK$100,452
baseline
▲ 0.50% · 4.625%
HK$106,564
+HK$6,112/mo
Deposit HK$2.30M · loan HK$20.73M · min. income ≈ HK$200,904/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,158
−HK$5,681/mo
▼ 0.25% · 3.875%
HK$107,978
−HK$2,861/mo
Today · 4.125%
HK$110,839
baseline
▲ 0.50% · 4.625%
HK$116,681
+HK$5,842/mo
Deposit HK$2.30M · loan HK$20.73M · min. income ≈ HK$221,678/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,762 · Scale 2, in force from 26 Feb 2026)