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$52,509
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$54,142
−HK$1,660/mo
Today · 4.125%
HK$55,802
baseline
▲ 0.50% · 4.625%
HK$59,197
+HK$3,395/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$111,604/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,416
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$59,982
−HK$1,590/mo
Today · 4.125%
HK$61,572
baseline
▲ 0.50% · 4.625%
HK$64,817
+HK$3,245/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$123,144/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,011
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$64,971
−HK$1,991/mo
Today · 4.125%
HK$66,962
baseline
▲ 0.50% · 4.625%
HK$71,037
+HK$4,075/mo
Deposit HK$9.21M · loan HK$13.82M · min. income ≈ HK$133,924/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,099
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$71,979
−HK$1,907/mo
Today · 4.125%
HK$73,886
baseline
▲ 0.50% · 4.625%
HK$77,781
+HK$3,895/mo
Deposit HK$9.21M · loan HK$13.82M · min. income ≈ HK$147,772/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,513
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$75,799
−HK$2,323/mo
Today · 4.125%
HK$78,122
baseline
▲ 0.50% · 4.625%
HK$82,876
+HK$4,754/mo
Deposit HK$6.91M · loan HK$16.12M · min. income ≈ HK$156,244/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$978,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,782
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$83,975
−HK$2,225/mo
Today · 4.125%
HK$86,200
baseline
▲ 0.50% · 4.625%
HK$90,744
+HK$4,544/mo
Deposit HK$6.91M · loan HK$16.12M · min. income ≈ HK$172,400/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$978,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,516
−HK$5,927/mo
▼ 0.25% · 3.875%
HK$97,456
−HK$2,987/mo
Today · 4.125%
HK$100,443
baseline
▲ 0.50% · 4.625%
HK$106,555
+HK$6,112/mo
Deposit HK$2.30M · loan HK$20.72M · min. income ≈ HK$200,886/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,148
−HK$5,681/mo
▼ 0.25% · 3.875%
HK$107,968
−HK$2,861/mo
Today · 4.125%
HK$110,829
baseline
▲ 0.50% · 4.625%
HK$116,671
+HK$5,842/mo
Deposit HK$2.30M · loan HK$20.72M · min. income ≈ HK$221,658/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,677 · Scale 2, in force from 26 Feb 2026)