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$52,030
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$53,649
−HK$1,644/mo
Today · 4.125%
HK$55,293
baseline
▲ 0.50% · 4.625%
HK$58,658
+HK$3,365/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$110,586/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$969,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,883
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$59,436
−HK$1,574/mo
Today · 4.125%
HK$61,010
baseline
▲ 0.50% · 4.625%
HK$64,226
+HK$3,216/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$122,020/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$969,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,436
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$64,379
−HK$1,973/mo
Today · 4.125%
HK$66,352
baseline
▲ 0.50% · 4.625%
HK$70,389
+HK$4,037/mo
Deposit HK$9.13M · loan HK$13.69M · min. income ≈ HK$132,704/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$969,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,460
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$71,323
−HK$1,890/mo
Today · 4.125%
HK$73,213
baseline
▲ 0.50% · 4.625%
HK$77,072
+HK$3,859/mo
Deposit HK$9.13M · loan HK$13.69M · min. income ≈ HK$146,426/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$969,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,842
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$75,108
−HK$2,302/mo
Today · 4.125%
HK$77,410
baseline
▲ 0.50% · 4.625%
HK$82,121
+HK$4,711/mo
Deposit HK$6.85M · loan HK$15.97M · min. income ≈ HK$154,820/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$969,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,037
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$83,210
−HK$2,205/mo
Today · 4.125%
HK$85,415
baseline
▲ 0.50% · 4.625%
HK$89,917
+HK$4,502/mo
Deposit HK$6.85M · loan HK$15.97M · min. income ≈ HK$170,830/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$969,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,655
−HK$5,873/mo
▼ 0.25% · 3.875%
HK$96,568
−HK$2,960/mo
Today · 4.125%
HK$99,528
baseline
▲ 0.50% · 4.625%
HK$105,584
+HK$6,056/mo
Deposit HK$2.28M · loan HK$20.54M · min. income ≈ HK$199,056/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,190
−HK$5,629/mo
▼ 0.25% · 3.875%
HK$106,984
−HK$2,835/mo
Today · 4.125%
HK$109,819
baseline
▲ 0.50% · 4.625%
HK$115,608
+HK$5,789/mo
Deposit HK$2.28M · loan HK$20.54M · min. income ≈ HK$219,638/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,755 · Scale 2, in force from 26 Feb 2026)