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$52,271
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$53,897
−HK$1,652/mo
Today · 4.125%
HK$55,549
baseline
▲ 0.50% · 4.625%
HK$58,929
+HK$3,380/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$111,098/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,152
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,711
−HK$1,582/mo
Today · 4.125%
HK$61,293
baseline
▲ 0.50% · 4.625%
HK$64,524
+HK$3,231/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$122,586/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,726
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$64,677
−HK$1,982/mo
Today · 4.125%
HK$66,659
baseline
▲ 0.50% · 4.625%
HK$70,715
+HK$4,056/mo
Deposit HK$9.17M · loan HK$13.75M · min. income ≈ HK$133,318/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$974,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,782
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$71,653
−HK$1,899/mo
Today · 4.125%
HK$73,552
baseline
▲ 0.50% · 4.625%
HK$77,429
+HK$3,877/mo
Deposit HK$9.17M · loan HK$13.75M · min. income ≈ HK$147,104/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$974,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,180
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$75,456
−HK$2,313/mo
Today · 4.125%
HK$77,769
baseline
▲ 0.50% · 4.625%
HK$82,501
+HK$4,732/mo
Deposit HK$6.88M · loan HK$16.05M · min. income ≈ HK$155,538/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,412
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$83,596
−HK$2,215/mo
Today · 4.125%
HK$85,811
baseline
▲ 0.50% · 4.625%
HK$90,334
+HK$4,523/mo
Deposit HK$6.88M · loan HK$16.05M · min. income ≈ HK$171,622/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,089
−HK$5,900/mo
▼ 0.25% · 3.875%
HK$97,015
−HK$2,974/mo
Today · 4.125%
HK$99,989
baseline
▲ 0.50% · 4.625%
HK$106,073
+HK$6,084/mo
Deposit HK$2.29M · loan HK$20.63M · min. income ≈ HK$199,978/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,673
−HK$5,655/mo
▼ 0.25% · 3.875%
HK$107,480
−HK$2,848/mo
Today · 4.125%
HK$110,328
baseline
▲ 0.50% · 4.625%
HK$116,143
+HK$5,815/mo
Deposit HK$2.29M · loan HK$20.63M · min. income ≈ HK$220,656/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,250 · Scale 2, in force from 26 Feb 2026)