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$52,155
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$53,777
−HK$1,649/mo
Today · 4.125%
HK$55,426
baseline
▲ 0.50% · 4.625%
HK$58,798
+HK$3,372/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$110,852/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$972,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,022
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$59,578
−HK$1,579/mo
Today · 4.125%
HK$61,157
baseline
▲ 0.50% · 4.625%
HK$64,380
+HK$3,223/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$122,314/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$972,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,586
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$64,533
−HK$1,978/mo
Today · 4.125%
HK$66,511
baseline
▲ 0.50% · 4.625%
HK$70,558
+HK$4,047/mo
Deposit HK$9.15M · loan HK$13.72M · min. income ≈ HK$133,022/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$972,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,626
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$71,494
−HK$1,894/mo
Today · 4.125%
HK$73,388
baseline
▲ 0.50% · 4.625%
HK$77,256
+HK$3,868/mo
Deposit HK$9.15M · loan HK$13.72M · min. income ≈ HK$146,776/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$972,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,017
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$75,288
−HK$2,308/mo
Today · 4.125%
HK$77,596
baseline
▲ 0.50% · 4.625%
HK$82,317
+HK$4,721/mo
Deposit HK$6.86M · loan HK$16.01M · min. income ≈ HK$155,192/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$972,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,231
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$83,409
−HK$2,210/mo
Today · 4.125%
HK$85,619
baseline
▲ 0.50% · 4.625%
HK$90,132
+HK$4,513/mo
Deposit HK$6.86M · loan HK$16.01M · min. income ≈ HK$171,238/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$972,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,879
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$96,799
−HK$2,967/mo
Today · 4.125%
HK$99,766
baseline
▲ 0.50% · 4.625%
HK$105,837
+HK$6,071/mo
Deposit HK$2.29M · loan HK$20.59M · min. income ≈ HK$199,532/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,440
−HK$5,642/mo
▼ 0.25% · 3.875%
HK$107,241
−HK$2,841/mo
Today · 4.125%
HK$110,082
baseline
▲ 0.50% · 4.625%
HK$115,885
+HK$5,803/mo
Deposit HK$2.29M · loan HK$20.59M · min. income ≈ HK$220,164/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,079 · Scale 2, in force from 26 Feb 2026)