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$52,507
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$54,141
−HK$1,659/mo
Today · 4.125%
HK$55,800
baseline
▲ 0.50% · 4.625%
HK$59,195
+HK$3,395/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$111,600/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,414
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$59,980
−HK$1,590/mo
Today · 4.125%
HK$61,570
baseline
▲ 0.50% · 4.625%
HK$64,815
+HK$3,245/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$123,140/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,009
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$64,969
−HK$1,991/mo
Today · 4.125%
HK$66,960
baseline
▲ 0.50% · 4.625%
HK$71,034
+HK$4,074/mo
Deposit HK$9.21M · loan HK$13.82M · min. income ≈ HK$133,920/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,097
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$71,977
−HK$1,907/mo
Today · 4.125%
HK$73,884
baseline
▲ 0.50% · 4.625%
HK$77,778
+HK$3,894/mo
Deposit HK$9.21M · loan HK$13.82M · min. income ≈ HK$147,768/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,510
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$75,797
−HK$2,323/mo
Today · 4.125%
HK$78,120
baseline
▲ 0.50% · 4.625%
HK$82,873
+HK$4,753/mo
Deposit HK$6.91M · loan HK$16.12M · min. income ≈ HK$156,240/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$978,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,779
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$83,973
−HK$2,225/mo
Today · 4.125%
HK$86,198
baseline
▲ 0.50% · 4.625%
HK$90,741
+HK$4,543/mo
Deposit HK$6.91M · loan HK$16.12M · min. income ≈ HK$172,396/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$978,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,513
−HK$5,927/mo
▼ 0.25% · 3.875%
HK$97,453
−HK$2,987/mo
Today · 4.125%
HK$100,440
baseline
▲ 0.50% · 4.625%
HK$106,552
+HK$6,112/mo
Deposit HK$2.30M · loan HK$20.72M · min. income ≈ HK$200,880/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,145
−HK$5,681/mo
▼ 0.25% · 3.875%
HK$107,965
−HK$2,861/mo
Today · 4.125%
HK$110,826
baseline
▲ 0.50% · 4.625%
HK$116,667
+HK$5,841/mo
Deposit HK$2.30M · loan HK$20.72M · min. income ≈ HK$221,652/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,645 · Scale 2, in force from 26 Feb 2026)