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$52,040
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$53,659
−HK$1,644/mo
Today · 4.125%
HK$55,303
baseline
▲ 0.50% · 4.625%
HK$58,668
+HK$3,365/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$110,606/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$969,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,894
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,446
−HK$1,576/mo
Today · 4.125%
HK$61,022
baseline
▲ 0.50% · 4.625%
HK$64,238
+HK$3,216/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$122,044/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$969,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,448
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$64,390
−HK$1,974/mo
Today · 4.125%
HK$66,364
baseline
▲ 0.50% · 4.625%
HK$70,402
+HK$4,038/mo
Deposit HK$9.13M · loan HK$13.69M · min. income ≈ HK$132,728/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$969,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,473
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$71,336
−HK$1,890/mo
Today · 4.125%
HK$73,226
baseline
▲ 0.50% · 4.625%
HK$77,086
+HK$3,860/mo
Deposit HK$9.13M · loan HK$13.69M · min. income ≈ HK$146,452/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$969,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,856
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$75,122
−HK$2,302/mo
Today · 4.125%
HK$77,424
baseline
▲ 0.50% · 4.625%
HK$82,136
+HK$4,712/mo
Deposit HK$6.85M · loan HK$15.98M · min. income ≈ HK$154,848/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$969,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,051
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$83,225
−HK$2,205/mo
Today · 4.125%
HK$85,430
baseline
▲ 0.50% · 4.625%
HK$89,933
+HK$4,503/mo
Deposit HK$6.85M · loan HK$15.98M · min. income ≈ HK$170,860/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$969,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,672
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$96,585
−HK$2,961/mo
Today · 4.125%
HK$99,546
baseline
▲ 0.50% · 4.625%
HK$105,603
+HK$6,057/mo
Deposit HK$2.28M · loan HK$20.54M · min. income ≈ HK$199,092/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,209
−HK$5,630/mo
▼ 0.25% · 3.875%
HK$107,004
−HK$2,835/mo
Today · 4.125%
HK$109,839
baseline
▲ 0.50% · 4.625%
HK$115,629
+HK$5,790/mo
Deposit HK$2.28M · loan HK$20.54M · min. income ≈ HK$219,678/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,932 · Scale 2, in force from 26 Feb 2026)