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$52,510
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$54,143
−HK$1,660/mo
Today · 4.125%
HK$55,803
baseline
▲ 0.50% · 4.625%
HK$59,198
+HK$3,395/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$111,606/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,416
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$59,983
−HK$1,590/mo
Today · 4.125%
HK$61,573
baseline
▲ 0.50% · 4.625%
HK$64,818
+HK$3,245/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$123,146/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,012
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$64,972
−HK$1,991/mo
Today · 4.125%
HK$66,963
baseline
▲ 0.50% · 4.625%
HK$71,038
+HK$4,075/mo
Deposit HK$9.21M · loan HK$13.82M · min. income ≈ HK$133,926/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,100
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$71,980
−HK$1,907/mo
Today · 4.125%
HK$73,887
baseline
▲ 0.50% · 4.625%
HK$77,782
+HK$3,895/mo
Deposit HK$9.21M · loan HK$13.82M · min. income ≈ HK$147,774/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,514
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$75,800
−HK$2,324/mo
Today · 4.125%
HK$78,124
baseline
▲ 0.50% · 4.625%
HK$82,877
+HK$4,753/mo
Deposit HK$6.91M · loan HK$16.12M · min. income ≈ HK$156,248/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$978,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,783
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$83,976
−HK$2,226/mo
Today · 4.125%
HK$86,202
baseline
▲ 0.50% · 4.625%
HK$90,745
+HK$4,543/mo
Deposit HK$6.91M · loan HK$16.12M · min. income ≈ HK$172,404/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$978,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,517
−HK$5,928/mo
▼ 0.25% · 3.875%
HK$97,457
−HK$2,988/mo
Today · 4.125%
HK$100,445
baseline
▲ 0.50% · 4.625%
HK$106,556
+HK$6,111/mo
Deposit HK$2.30M · loan HK$20.73M · min. income ≈ HK$200,890/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,150
−HK$5,681/mo
▼ 0.25% · 3.875%
HK$107,970
−HK$2,861/mo
Today · 4.125%
HK$110,831
baseline
▲ 0.50% · 4.625%
HK$116,673
+HK$5,842/mo
Deposit HK$2.30M · loan HK$20.73M · min. income ≈ HK$221,662/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,689 · Scale 2, in force from 26 Feb 2026)