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$52,482
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$54,115
−HK$1,658/mo
Today · 4.125%
HK$55,773
baseline
▲ 0.50% · 4.625%
HK$59,167
+HK$3,394/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$111,546/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,386
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$59,952
−HK$1,588/mo
Today · 4.125%
HK$61,540
baseline
▲ 0.50% · 4.625%
HK$64,784
+HK$3,244/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$123,080/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,978
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$64,937
−HK$1,991/mo
Today · 4.125%
HK$66,928
baseline
▲ 0.50% · 4.625%
HK$71,000
+HK$4,072/mo
Deposit HK$9.21M · loan HK$13.81M · min. income ≈ HK$133,856/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$978,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,063
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$71,942
−HK$1,906/mo
Today · 4.125%
HK$73,848
baseline
▲ 0.50% · 4.625%
HK$77,741
+HK$3,893/mo
Deposit HK$9.21M · loan HK$13.81M · min. income ≈ HK$147,696/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$978,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,475
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$75,760
−HK$2,322/mo
Today · 4.125%
HK$78,082
baseline
▲ 0.50% · 4.625%
HK$82,834
+HK$4,752/mo
Deposit HK$6.90M · loan HK$16.11M · min. income ≈ HK$156,164/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$978,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,740
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$83,932
−HK$2,224/mo
Today · 4.125%
HK$86,156
baseline
▲ 0.50% · 4.625%
HK$90,698
+HK$4,542/mo
Deposit HK$6.90M · loan HK$16.11M · min. income ≈ HK$172,312/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$978,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,468
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$97,406
−HK$2,986/mo
Today · 4.125%
HK$100,392
baseline
▲ 0.50% · 4.625%
HK$106,500
+HK$6,108/mo
Deposit HK$2.30M · loan HK$20.71M · min. income ≈ HK$200,784/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,094
−HK$5,678/mo
▼ 0.25% · 3.875%
HK$107,913
−HK$2,859/mo
Today · 4.125%
HK$110,772
baseline
▲ 0.50% · 4.625%
HK$116,611
+HK$5,839/mo
Deposit HK$2.30M · loan HK$20.71M · min. income ≈ HK$221,544/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,174 · Scale 2, in force from 26 Feb 2026)