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$52,154
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$53,776
−HK$1,648/mo
Today · 4.125%
HK$55,424
baseline
▲ 0.50% · 4.625%
HK$58,797
+HK$3,373/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$110,848/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$972,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,021
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,577
−HK$1,578/mo
Today · 4.125%
HK$61,155
baseline
▲ 0.50% · 4.625%
HK$64,379
+HK$3,224/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$122,310/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$972,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,585
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$64,531
−HK$1,978/mo
Today · 4.125%
HK$66,509
baseline
▲ 0.50% · 4.625%
HK$70,556
+HK$4,047/mo
Deposit HK$9.15M · loan HK$13.72M · min. income ≈ HK$133,018/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$972,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,625
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$71,492
−HK$1,894/mo
Today · 4.125%
HK$73,386
baseline
▲ 0.50% · 4.625%
HK$77,255
+HK$3,869/mo
Deposit HK$9.15M · loan HK$13.72M · min. income ≈ HK$146,772/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$972,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,015
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$75,287
−HK$2,307/mo
Today · 4.125%
HK$77,594
baseline
▲ 0.50% · 4.625%
HK$82,315
+HK$4,721/mo
Deposit HK$6.86M · loan HK$16.01M · min. income ≈ HK$155,188/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$972,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,229
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$83,407
−HK$2,210/mo
Today · 4.125%
HK$85,617
baseline
▲ 0.50% · 4.625%
HK$90,130
+HK$4,513/mo
Deposit HK$6.86M · loan HK$16.01M · min. income ≈ HK$171,234/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$972,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,877
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$96,797
−HK$2,967/mo
Today · 4.125%
HK$99,764
baseline
▲ 0.50% · 4.625%
HK$105,834
+HK$6,070/mo
Deposit HK$2.29M · loan HK$20.58M · min. income ≈ HK$199,528/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,437
−HK$5,642/mo
▼ 0.25% · 3.875%
HK$107,238
−HK$2,841/mo
Today · 4.125%
HK$110,079
baseline
▲ 0.50% · 4.625%
HK$115,882
+HK$5,803/mo
Deposit HK$2.29M · loan HK$20.58M · min. income ≈ HK$220,158/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,057 · Scale 2, in force from 26 Feb 2026)