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$51,891
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$53,506
−HK$1,639/mo
Today · 4.125%
HK$55,145
baseline
▲ 0.50% · 4.625%
HK$58,501
+HK$3,356/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$110,290/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,729
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$59,277
−HK$1,571/mo
Today · 4.125%
HK$60,848
baseline
▲ 0.50% · 4.625%
HK$64,055
+HK$3,207/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$121,696/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,270
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$64,207
−HK$1,968/mo
Today · 4.125%
HK$66,175
baseline
▲ 0.50% · 4.625%
HK$70,201
+HK$4,026/mo
Deposit HK$9.10M · loan HK$13.65M · min. income ≈ HK$132,350/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$967,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,274
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$71,132
−HK$1,885/mo
Today · 4.125%
HK$73,017
baseline
▲ 0.50% · 4.625%
HK$76,866
+HK$3,849/mo
Deposit HK$9.10M · loan HK$13.65M · min. income ≈ HK$146,034/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$967,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,648
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$74,908
−HK$2,296/mo
Today · 4.125%
HK$77,204
baseline
▲ 0.50% · 4.625%
HK$81,901
+HK$4,697/mo
Deposit HK$6.83M · loan HK$15.93M · min. income ≈ HK$154,408/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$967,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,820
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$82,988
−HK$2,199/mo
Today · 4.125%
HK$85,187
baseline
▲ 0.50% · 4.625%
HK$89,677
+HK$4,490/mo
Deposit HK$6.83M · loan HK$15.93M · min. income ≈ HK$170,374/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$967,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,405
−HK$5,857/mo
▼ 0.25% · 3.875%
HK$96,310
−HK$2,952/mo
Today · 4.125%
HK$99,262
baseline
▲ 0.50% · 4.625%
HK$105,302
+HK$6,040/mo
Deposit HK$2.28M · loan HK$20.48M · min. income ≈ HK$198,524/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$967,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,912
−HK$5,614/mo
▼ 0.25% · 3.875%
HK$106,698
−HK$2,828/mo
Today · 4.125%
HK$109,526
baseline
▲ 0.50% · 4.625%
HK$115,299
+HK$5,773/mo
Deposit HK$2.28M · loan HK$20.48M · min. income ≈ HK$219,052/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$967,166 · Scale 2, in force from 26 Feb 2026)