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$52,519
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$54,153
−HK$1,659/mo
Today · 4.125%
HK$55,812
baseline
▲ 0.50% · 4.625%
HK$59,208
+HK$3,396/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$111,624/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,427
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$59,994
−HK$1,589/mo
Today · 4.125%
HK$61,583
baseline
▲ 0.50% · 4.625%
HK$64,830
+HK$3,247/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$123,166/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,023
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$64,983
−HK$1,992/mo
Today · 4.125%
HK$66,975
baseline
▲ 0.50% · 4.625%
HK$71,050
+HK$4,075/mo
Deposit HK$9.21M · loan HK$13.82M · min. income ≈ HK$133,950/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,112
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$71,993
−HK$1,907/mo
Today · 4.125%
HK$73,900
baseline
▲ 0.50% · 4.625%
HK$77,796
+HK$3,896/mo
Deposit HK$9.21M · loan HK$13.82M · min. income ≈ HK$147,800/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,527
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$75,814
−HK$2,323/mo
Today · 4.125%
HK$78,137
baseline
▲ 0.50% · 4.625%
HK$82,892
+HK$4,755/mo
Deposit HK$6.91M · loan HK$16.12M · min. income ≈ HK$156,274/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$978,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,798
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$83,991
−HK$2,226/mo
Today · 4.125%
HK$86,217
baseline
▲ 0.50% · 4.625%
HK$90,761
+HK$4,544/mo
Deposit HK$6.91M · loan HK$16.12M · min. income ≈ HK$172,434/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$978,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,534
−HK$5,928/mo
▼ 0.25% · 3.875%
HK$97,475
−HK$2,987/mo
Today · 4.125%
HK$100,462
baseline
▲ 0.50% · 4.625%
HK$106,575
+HK$6,113/mo
Deposit HK$2.30M · loan HK$20.73M · min. income ≈ HK$200,924/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,168
−HK$5,682/mo
▼ 0.25% · 3.875%
HK$107,989
−HK$2,861/mo
Today · 4.125%
HK$110,850
baseline
▲ 0.50% · 4.625%
HK$116,693
+HK$5,843/mo
Deposit HK$2.30M · loan HK$20.73M · min. income ≈ HK$221,700/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,862 · Scale 2, in force from 26 Feb 2026)