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$52,519
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$54,153
−HK$1,660/mo
Today · 4.125%
HK$55,813
baseline
▲ 0.50% · 4.625%
HK$59,209
+HK$3,396/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$111,626/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,427
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$59,994
−HK$1,590/mo
Today · 4.125%
HK$61,584
baseline
▲ 0.50% · 4.625%
HK$64,830
+HK$3,246/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$123,168/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,023
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$64,984
−HK$1,991/mo
Today · 4.125%
HK$66,975
baseline
▲ 0.50% · 4.625%
HK$71,051
+HK$4,076/mo
Deposit HK$9.21M · loan HK$13.82M · min. income ≈ HK$133,950/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,113
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$71,993
−HK$1,908/mo
Today · 4.125%
HK$73,901
baseline
▲ 0.50% · 4.625%
HK$77,796
+HK$3,895/mo
Deposit HK$9.21M · loan HK$13.82M · min. income ≈ HK$147,802/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,527
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$75,814
−HK$2,324/mo
Today · 4.125%
HK$78,138
baseline
▲ 0.50% · 4.625%
HK$82,892
+HK$4,754/mo
Deposit HK$6.91M · loan HK$16.12M · min. income ≈ HK$156,276/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$978,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,798
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$83,992
−HK$2,226/mo
Today · 4.125%
HK$86,218
baseline
▲ 0.50% · 4.625%
HK$90,762
+HK$4,544/mo
Deposit HK$6.91M · loan HK$16.12M · min. income ≈ HK$172,436/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$978,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,535
−HK$5,928/mo
▼ 0.25% · 3.875%
HK$97,476
−HK$2,987/mo
Today · 4.125%
HK$100,463
baseline
▲ 0.50% · 4.625%
HK$106,576
+HK$6,113/mo
Deposit HK$2.30M · loan HK$20.73M · min. income ≈ HK$200,926/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,169
−HK$5,682/mo
▼ 0.25% · 3.875%
HK$107,990
−HK$2,861/mo
Today · 4.125%
HK$110,851
baseline
▲ 0.50% · 4.625%
HK$116,694
+HK$5,843/mo
Deposit HK$2.30M · loan HK$20.73M · min. income ≈ HK$221,702/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,871 · Scale 2, in force from 26 Feb 2026)