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$52,479
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$54,112
−HK$1,658/mo
Today · 4.125%
HK$55,770
baseline
▲ 0.50% · 4.625%
HK$59,164
+HK$3,394/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$111,540/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,383
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$59,949
−HK$1,588/mo
Today · 4.125%
HK$61,537
baseline
▲ 0.50% · 4.625%
HK$64,781
+HK$3,244/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$123,074/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,975
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$64,934
−HK$1,990/mo
Today · 4.125%
HK$66,924
baseline
▲ 0.50% · 4.625%
HK$70,996
+HK$4,072/mo
Deposit HK$9.21M · loan HK$13.81M · min. income ≈ HK$133,848/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$978,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,059
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$71,938
−HK$1,906/mo
Today · 4.125%
HK$73,844
baseline
▲ 0.50% · 4.625%
HK$77,737
+HK$3,893/mo
Deposit HK$9.21M · loan HK$13.81M · min. income ≈ HK$147,688/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$978,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,471
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$75,756
−HK$2,322/mo
Today · 4.125%
HK$78,078
baseline
▲ 0.50% · 4.625%
HK$82,829
+HK$4,751/mo
Deposit HK$6.90M · loan HK$16.11M · min. income ≈ HK$156,156/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$978,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,736
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$83,928
−HK$2,224/mo
Today · 4.125%
HK$86,152
baseline
▲ 0.50% · 4.625%
HK$90,693
+HK$4,541/mo
Deposit HK$6.90M · loan HK$16.11M · min. income ≈ HK$172,304/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$978,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,463
−HK$5,923/mo
▼ 0.25% · 3.875%
HK$97,401
−HK$2,985/mo
Today · 4.125%
HK$100,386
baseline
▲ 0.50% · 4.625%
HK$106,495
+HK$6,109/mo
Deposit HK$2.30M · loan HK$20.71M · min. income ≈ HK$200,772/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,089
−HK$5,678/mo
▼ 0.25% · 3.875%
HK$107,907
−HK$2,860/mo
Today · 4.125%
HK$110,767
baseline
▲ 0.50% · 4.625%
HK$116,605
+HK$5,838/mo
Deposit HK$2.30M · loan HK$20.71M · min. income ≈ HK$221,534/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,124 · Scale 2, in force from 26 Feb 2026)