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$52,469
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$54,102
−HK$1,658/mo
Today · 4.125%
HK$55,760
baseline
▲ 0.50% · 4.625%
HK$59,153
+HK$3,393/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$111,520/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$977,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,372
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$59,937
−HK$1,588/mo
Today · 4.125%
HK$61,525
baseline
▲ 0.50% · 4.625%
HK$64,768
+HK$3,243/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$123,050/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$977,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,963
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$64,922
−HK$1,990/mo
Today · 4.125%
HK$66,912
baseline
▲ 0.50% · 4.625%
HK$70,983
+HK$4,071/mo
Deposit HK$9.20M · loan HK$13.81M · min. income ≈ HK$133,824/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,046
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$71,925
−HK$1,905/mo
Today · 4.125%
HK$73,830
baseline
▲ 0.50% · 4.625%
HK$77,722
+HK$3,892/mo
Deposit HK$9.20M · loan HK$13.81M · min. income ≈ HK$147,660/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,457
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$75,742
−HK$2,322/mo
Today · 4.125%
HK$78,064
baseline
▲ 0.50% · 4.625%
HK$82,814
+HK$4,750/mo
Deposit HK$6.90M · loan HK$16.11M · min. income ≈ HK$156,128/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,720
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$83,912
−HK$2,224/mo
Today · 4.125%
HK$86,136
baseline
▲ 0.50% · 4.625%
HK$90,676
+HK$4,540/mo
Deposit HK$6.90M · loan HK$16.11M · min. income ≈ HK$172,272/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,445
−HK$5,923/mo
▼ 0.25% · 3.875%
HK$97,383
−HK$2,985/mo
Today · 4.125%
HK$100,368
baseline
▲ 0.50% · 4.625%
HK$106,475
+HK$6,107/mo
Deposit HK$2.30M · loan HK$20.71M · min. income ≈ HK$200,736/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,069
−HK$5,677/mo
▼ 0.25% · 3.875%
HK$107,887
−HK$2,859/mo
Today · 4.125%
HK$110,746
baseline
▲ 0.50% · 4.625%
HK$116,583
+HK$5,837/mo
Deposit HK$2.30M · loan HK$20.71M · min. income ≈ HK$221,492/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,939 · Scale 2, in force from 26 Feb 2026)