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$53,648
−HK$1,645/mo
Today · 4.125%
HK$55,293
baseline
▲ 0.50% · 4.625%
HK$58,657
+HK$3,364/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$969,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,883
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$59,435
−HK$1,575/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$969,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,436
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$64,378
−HK$1,973/mo
Today · 4.125%
HK$66,351
baseline
▲ 0.50% · 4.625%
HK$70,389
+HK$4,038/mo
Deposit HK$9.13M · loan HK$13.69M · min. income ≈ HK$132,702/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$969,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,459
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$71,322
−HK$1,890/mo
Today · 4.125%
HK$73,212
baseline
▲ 0.50% · 4.625%
HK$77,071
+HK$3,859/mo
Deposit HK$9.13M · loan HK$13.69M · min. income ≈ HK$146,424/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$969,749 · 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$82,120
+HK$4,710/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$969,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,036
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$83,209
−HK$2,205/mo
Today · 4.125%
HK$85,414
baseline
▲ 0.50% · 4.625%
HK$89,916
+HK$4,502/mo
Deposit HK$6.85M · loan HK$15.97M · min. income ≈ HK$170,828/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$969,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,654
−HK$5,873/mo
▼ 0.25% · 3.875%
HK$96,567
−HK$2,960/mo
Today · 4.125%
HK$99,527
baseline
▲ 0.50% · 4.625%
HK$105,583
+HK$6,056/mo
Deposit HK$2.28M · loan HK$20.54M · min. income ≈ HK$199,054/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,189
−HK$5,629/mo
▼ 0.25% · 3.875%
HK$106,983
−HK$2,835/mo
Today · 4.125%
HK$109,818
baseline
▲ 0.50% · 4.625%
HK$115,607
+HK$5,789/mo
Deposit HK$2.28M · loan HK$20.54M · min. income ≈ HK$219,636/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,749 · Scale 2, in force from 26 Feb 2026)