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$51,741
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$53,350
−HK$1,636/mo
Today · 4.125%
HK$54,986
baseline
▲ 0.50% · 4.625%
HK$58,331
+HK$3,345/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$109,972/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,561
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,105
−HK$1,566/mo
Today · 4.125%
HK$60,671
baseline
▲ 0.50% · 4.625%
HK$63,869
+HK$3,198/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$121,342/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,089
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$64,020
−HK$1,963/mo
Today · 4.125%
HK$65,983
baseline
▲ 0.50% · 4.625%
HK$69,998
+HK$4,015/mo
Deposit HK$9.08M · loan HK$13.61M · min. income ≈ HK$131,966/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,074
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$70,926
−HK$1,879/mo
Today · 4.125%
HK$72,805
baseline
▲ 0.50% · 4.625%
HK$76,643
+HK$3,838/mo
Deposit HK$9.08M · loan HK$13.61M · min. income ≈ HK$145,610/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,437
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$74,691
−HK$2,289/mo
Today · 4.125%
HK$76,980
baseline
▲ 0.50% · 4.625%
HK$81,664
+HK$4,684/mo
Deposit HK$6.81M · loan HK$15.88M · min. income ≈ HK$153,960/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,586
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$82,747
−HK$2,193/mo
Today · 4.125%
HK$84,940
baseline
▲ 0.50% · 4.625%
HK$89,417
+HK$4,477/mo
Deposit HK$6.81M · loan HK$15.88M · min. income ≈ HK$169,880/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,134
−HK$5,840/mo
▼ 0.25% · 3.875%
HK$96,031
−HK$2,943/mo
Today · 4.125%
HK$98,974
baseline
▲ 0.50% · 4.625%
HK$104,996
+HK$6,022/mo
Deposit HK$2.27M · loan HK$20.42M · min. income ≈ HK$197,948/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,610
−HK$5,598/mo
▼ 0.25% · 3.875%
HK$106,389
−HK$2,819/mo
Today · 4.125%
HK$109,208
baseline
▲ 0.50% · 4.625%
HK$114,965
+HK$5,757/mo
Deposit HK$2.27M · loan HK$20.42M · min. income ≈ HK$218,416/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,361 · Scale 2, in force from 26 Feb 2026)