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$52,668
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$54,306
−HK$1,664/mo
Today · 4.125%
HK$55,970
baseline
▲ 0.50% · 4.625%
HK$59,376
+HK$3,406/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$111,940/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,592
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,164
−HK$1,594/mo
Today · 4.125%
HK$61,758
baseline
▲ 0.50% · 4.625%
HK$65,013
+HK$3,255/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$123,516/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,201
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$65,167
−HK$1,998/mo
Today · 4.125%
HK$67,165
baseline
▲ 0.50% · 4.625%
HK$71,251
+HK$4,086/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$134,330/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,311
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$72,196
−HK$1,913/mo
Today · 4.125%
HK$74,109
baseline
▲ 0.50% · 4.625%
HK$78,016
+HK$3,907/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$148,218/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,735
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$76,028
−HK$2,331/mo
Today · 4.125%
HK$78,359
baseline
▲ 0.50% · 4.625%
HK$83,127
+HK$4,768/mo
Deposit HK$6.93M · loan HK$16.17M · min. income ≈ HK$156,718/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,029
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$84,229
−HK$2,232/mo
Today · 4.125%
HK$86,461
baseline
▲ 0.50% · 4.625%
HK$91,018
+HK$4,557/mo
Deposit HK$6.93M · loan HK$16.17M · min. income ≈ HK$172,922/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,802
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$97,751
−HK$2,996/mo
Today · 4.125%
HK$100,747
baseline
▲ 0.50% · 4.625%
HK$106,877
+HK$6,130/mo
Deposit HK$2.31M · loan HK$20.79M · min. income ≈ HK$201,494/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,466
−HK$5,698/mo
▼ 0.25% · 3.875%
HK$108,295
−HK$2,869/mo
Today · 4.125%
HK$111,164
baseline
▲ 0.50% · 4.625%
HK$117,024
+HK$5,860/mo
Deposit HK$2.31M · loan HK$20.79M · min. income ≈ HK$222,328/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,635 · Scale 2, in force from 26 Feb 2026)