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$52,498
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$54,131
−HK$1,659/mo
Today · 4.125%
HK$55,790
baseline
▲ 0.50% · 4.625%
HK$59,184
+HK$3,394/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$111,580/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,403
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,969
−HK$1,589/mo
Today · 4.125%
HK$61,558
baseline
▲ 0.50% · 4.625%
HK$64,803
+HK$3,245/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$123,116/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,997
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$64,957
−HK$1,991/mo
Today · 4.125%
HK$66,948
baseline
▲ 0.50% · 4.625%
HK$71,021
+HK$4,073/mo
Deposit HK$9.21M · loan HK$13.81M · min. income ≈ HK$133,896/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,084
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$71,963
−HK$1,907/mo
Today · 4.125%
HK$73,870
baseline
▲ 0.50% · 4.625%
HK$77,764
+HK$3,894/mo
Deposit HK$9.21M · loan HK$13.81M · min. income ≈ HK$147,740/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,497
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$75,783
−HK$2,323/mo
Today · 4.125%
HK$78,106
baseline
▲ 0.50% · 4.625%
HK$82,858
+HK$4,752/mo
Deposit HK$6.91M · loan HK$16.12M · min. income ≈ HK$156,212/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$978,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,764
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$83,957
−HK$2,225/mo
Today · 4.125%
HK$86,182
baseline
▲ 0.50% · 4.625%
HK$90,725
+HK$4,543/mo
Deposit HK$6.91M · loan HK$16.12M · min. income ≈ HK$172,364/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$978,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,496
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$97,435
−HK$2,986/mo
Today · 4.125%
HK$100,421
baseline
▲ 0.50% · 4.625%
HK$106,532
+HK$6,111/mo
Deposit HK$2.30M · loan HK$20.72M · min. income ≈ HK$200,842/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,126
−HK$5,679/mo
▼ 0.25% · 3.875%
HK$107,945
−HK$2,860/mo
Today · 4.125%
HK$110,805
baseline
▲ 0.50% · 4.625%
HK$116,646
+HK$5,841/mo
Deposit HK$2.30M · loan HK$20.72M · min. income ≈ HK$221,610/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,465 · Scale 2, in force from 26 Feb 2026)