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$52,012
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,630
−HK$1,644/mo
Today · 4.125%
HK$55,274
baseline
▲ 0.50% · 4.625%
HK$58,637
+HK$3,363/mo
Deposit HK$11.40M · loan HK$11.40M · min. income ≈ HK$110,548/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$969,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,863
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,415
−HK$1,574/mo
Today · 4.125%
HK$60,989
baseline
▲ 0.50% · 4.625%
HK$64,204
+HK$3,215/mo
Deposit HK$11.40M · loan HK$11.40M · min. income ≈ HK$121,978/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$969,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,414
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$64,356
−HK$1,972/mo
Today · 4.125%
HK$66,328
baseline
▲ 0.50% · 4.625%
HK$70,364
+HK$4,036/mo
Deposit HK$9.12M · loan HK$13.69M · min. income ≈ HK$132,656/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$969,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,435
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$71,298
−HK$1,889/mo
Today · 4.125%
HK$73,187
baseline
▲ 0.50% · 4.625%
HK$77,045
+HK$3,858/mo
Deposit HK$9.12M · loan HK$13.69M · min. income ≈ HK$146,374/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$969,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,817
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$75,082
−HK$2,301/mo
Today · 4.125%
HK$77,383
baseline
▲ 0.50% · 4.625%
HK$82,092
+HK$4,709/mo
Deposit HK$6.84M · loan HK$15.97M · min. income ≈ HK$154,766/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$969,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,008
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$83,181
−HK$2,204/mo
Today · 4.125%
HK$85,385
baseline
▲ 0.50% · 4.625%
HK$89,885
+HK$4,500/mo
Deposit HK$6.84M · loan HK$15.97M · min. income ≈ HK$170,770/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$969,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,622
−HK$5,871/mo
▼ 0.25% · 3.875%
HK$96,534
−HK$2,959/mo
Today · 4.125%
HK$99,493
baseline
▲ 0.50% · 4.625%
HK$105,546
+HK$6,053/mo
Deposit HK$2.28M · loan HK$20.53M · min. income ≈ HK$198,986/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,153
−HK$5,627/mo
▼ 0.25% · 3.875%
HK$106,946
−HK$2,834/mo
Today · 4.125%
HK$109,780
baseline
▲ 0.50% · 4.625%
HK$115,567
+HK$5,787/mo
Deposit HK$2.28M · loan HK$20.53M · min. income ≈ HK$219,560/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,413 · Scale 2, in force from 26 Feb 2026)