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$52,473
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$54,105
−HK$1,659/mo
Today · 4.125%
HK$55,764
baseline
▲ 0.50% · 4.625%
HK$59,157
+HK$3,393/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$111,528/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$978,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,376
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$59,942
−HK$1,588/mo
Today · 4.125%
HK$61,530
baseline
▲ 0.50% · 4.625%
HK$64,773
+HK$3,243/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$123,060/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$978,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,968
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$64,927
−HK$1,990/mo
Today · 4.125%
HK$66,917
baseline
▲ 0.50% · 4.625%
HK$70,988
+HK$4,071/mo
Deposit HK$9.20M · loan HK$13.81M · min. income ≈ HK$133,834/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$978,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,051
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$71,930
−HK$1,906/mo
Today · 4.125%
HK$73,836
baseline
▲ 0.50% · 4.625%
HK$77,728
+HK$3,892/mo
Deposit HK$9.20M · loan HK$13.81M · min. income ≈ HK$147,672/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$978,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,463
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$75,748
−HK$2,321/mo
Today · 4.125%
HK$78,069
baseline
▲ 0.50% · 4.625%
HK$82,820
+HK$4,751/mo
Deposit HK$6.90M · loan HK$16.11M · min. income ≈ HK$156,138/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$978,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,726
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$83,918
−HK$2,224/mo
Today · 4.125%
HK$86,142
baseline
▲ 0.50% · 4.625%
HK$90,682
+HK$4,540/mo
Deposit HK$6.90M · loan HK$16.11M · min. income ≈ HK$172,284/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$978,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,452
−HK$5,923/mo
▼ 0.25% · 3.875%
HK$97,390
−HK$2,985/mo
Today · 4.125%
HK$100,375
baseline
▲ 0.50% · 4.625%
HK$106,482
+HK$6,107/mo
Deposit HK$2.30M · loan HK$20.71M · min. income ≈ HK$200,750/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,077
−HK$5,677/mo
▼ 0.25% · 3.875%
HK$107,895
−HK$2,859/mo
Today · 4.125%
HK$110,754
baseline
▲ 0.50% · 4.625%
HK$116,592
+HK$5,838/mo
Deposit HK$2.30M · loan HK$20.71M · min. income ≈ HK$221,508/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,010 · Scale 2, in force from 26 Feb 2026)