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$52,575
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,211
−HK$1,661/mo
Today · 4.125%
HK$55,872
baseline
▲ 0.50% · 4.625%
HK$59,272
+HK$3,400/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$111,744/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$979,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,489
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,058
−HK$1,591/mo
Today · 4.125%
HK$61,649
baseline
▲ 0.50% · 4.625%
HK$64,899
+HK$3,250/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$123,298/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$979,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,090
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$65,053
−HK$1,994/mo
Today · 4.125%
HK$67,047
baseline
▲ 0.50% · 4.625%
HK$71,126
+HK$4,079/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$134,094/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,187
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$72,070
−HK$1,909/mo
Today · 4.125%
HK$73,979
baseline
▲ 0.50% · 4.625%
HK$77,879
+HK$3,900/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$147,958/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,605
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$75,895
−HK$2,326/mo
Today · 4.125%
HK$78,221
baseline
▲ 0.50% · 4.625%
HK$82,981
+HK$4,760/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$156,442/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$979,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,885
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$84,081
−HK$2,228/mo
Today · 4.125%
HK$86,309
baseline
▲ 0.50% · 4.625%
HK$90,859
+HK$4,550/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$172,618/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$979,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,635
−HK$5,935/mo
▼ 0.25% · 3.875%
HK$97,579
−HK$2,991/mo
Today · 4.125%
HK$100,570
baseline
▲ 0.50% · 4.625%
HK$106,689
+HK$6,119/mo
Deposit HK$2.31M · loan HK$20.75M · min. income ≈ HK$201,140/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$979,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,281
−HK$5,688/mo
▼ 0.25% · 3.875%
HK$108,104
−HK$2,865/mo
Today · 4.125%
HK$110,969
baseline
▲ 0.50% · 4.625%
HK$116,818
+HK$5,849/mo
Deposit HK$2.31M · loan HK$20.75M · min. income ≈ HK$221,938/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$979,910 · Scale 2, in force from 26 Feb 2026)