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$52,106
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$53,727
−HK$1,647/mo
Today · 4.125%
HK$55,374
baseline
▲ 0.50% · 4.625%
HK$58,743
+HK$3,369/mo
Deposit HK$11.43M · loan HK$11.43M · min. income ≈ HK$110,748/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$971,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,967
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$59,522
−HK$1,577/mo
Today · 4.125%
HK$61,099
baseline
▲ 0.50% · 4.625%
HK$64,320
+HK$3,221/mo
Deposit HK$11.43M · loan HK$11.43M · min. income ≈ HK$122,198/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$971,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,527
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$64,472
−HK$1,976/mo
Today · 4.125%
HK$66,448
baseline
▲ 0.50% · 4.625%
HK$70,491
+HK$4,043/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$132,896/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$971,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,561
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$71,427
−HK$1,892/mo
Today · 4.125%
HK$73,319
baseline
▲ 0.50% · 4.625%
HK$77,184
+HK$3,865/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$146,638/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$971,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,948
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$75,218
−HK$2,305/mo
Today · 4.125%
HK$77,523
baseline
▲ 0.50% · 4.625%
HK$82,240
+HK$4,717/mo
Deposit HK$6.86M · loan HK$16.00M · min. income ≈ HK$155,046/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,154
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$83,331
−HK$2,208/mo
Today · 4.125%
HK$85,539
baseline
▲ 0.50% · 4.625%
HK$90,048
+HK$4,509/mo
Deposit HK$6.86M · loan HK$16.00M · min. income ≈ HK$171,078/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,791
−HK$5,881/mo
▼ 0.25% · 3.875%
HK$96,708
−HK$2,964/mo
Today · 4.125%
HK$99,672
baseline
▲ 0.50% · 4.625%
HK$105,737
+HK$6,065/mo
Deposit HK$2.29M · loan HK$20.57M · min. income ≈ HK$199,344/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,341
−HK$5,638/mo
▼ 0.25% · 3.875%
HK$107,140
−HK$2,839/mo
Today · 4.125%
HK$109,979
baseline
▲ 0.50% · 4.625%
HK$115,776
+HK$5,797/mo
Deposit HK$2.29M · loan HK$20.57M · min. income ≈ HK$219,958/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,166 · Scale 2, in force from 26 Feb 2026)