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$52,520
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$54,154
−HK$1,660/mo
Today · 4.125%
HK$55,814
baseline
▲ 0.50% · 4.625%
HK$59,210
+HK$3,396/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$111,628/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$978,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,428
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$59,995
−HK$1,590/mo
Today · 4.125%
HK$61,585
baseline
▲ 0.50% · 4.625%
HK$64,831
+HK$3,246/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$123,170/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$978,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,024
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$64,985
−HK$1,992/mo
Today · 4.125%
HK$66,977
baseline
▲ 0.50% · 4.625%
HK$71,052
+HK$4,075/mo
Deposit HK$9.21M · loan HK$13.82M · min. income ≈ HK$133,954/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,114
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$71,994
−HK$1,908/mo
Today · 4.125%
HK$73,902
baseline
▲ 0.50% · 4.625%
HK$77,797
+HK$3,895/mo
Deposit HK$9.21M · loan HK$13.82M · min. income ≈ HK$147,804/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,528
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$75,816
−HK$2,323/mo
Today · 4.125%
HK$78,139
baseline
▲ 0.50% · 4.625%
HK$82,894
+HK$4,755/mo
Deposit HK$6.91M · loan HK$16.12M · min. income ≈ HK$156,278/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$978,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,800
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$83,993
−HK$2,226/mo
Today · 4.125%
HK$86,219
baseline
▲ 0.50% · 4.625%
HK$90,764
+HK$4,545/mo
Deposit HK$6.91M · loan HK$16.12M · min. income ≈ HK$172,438/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$978,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,536
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$97,477
−HK$2,988/mo
Today · 4.125%
HK$100,465
baseline
▲ 0.50% · 4.625%
HK$106,578
+HK$6,113/mo
Deposit HK$2.30M · loan HK$20.73M · min. income ≈ HK$200,930/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,171
−HK$5,682/mo
▼ 0.25% · 3.875%
HK$107,992
−HK$2,861/mo
Today · 4.125%
HK$110,853
baseline
▲ 0.50% · 4.625%
HK$116,696
+HK$5,843/mo
Deposit HK$2.30M · loan HK$20.73M · min. income ≈ HK$221,706/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,887 · Scale 2, in force from 26 Feb 2026)