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$52,003
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$53,620
−HK$1,644/mo
Today · 4.125%
HK$55,264
baseline
▲ 0.50% · 4.625%
HK$58,627
+HK$3,363/mo
Deposit HK$11.40M · loan HK$11.40M · min. income ≈ HK$110,528/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$969,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,853
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$59,404
−HK$1,574/mo
Today · 4.125%
HK$60,978
baseline
▲ 0.50% · 4.625%
HK$64,193
+HK$3,215/mo
Deposit HK$11.40M · loan HK$11.40M · min. income ≈ HK$121,956/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$969,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,403
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$64,345
−HK$1,972/mo
Today · 4.125%
HK$66,317
baseline
▲ 0.50% · 4.625%
HK$70,352
+HK$4,035/mo
Deposit HK$9.12M · loan HK$13.68M · min. income ≈ HK$132,634/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$969,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,423
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$71,285
−HK$1,889/mo
Today · 4.125%
HK$73,174
baseline
▲ 0.50% · 4.625%
HK$77,031
+HK$3,857/mo
Deposit HK$9.12M · loan HK$13.68M · min. income ≈ HK$146,348/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$969,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,804
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$75,069
−HK$2,300/mo
Today · 4.125%
HK$77,369
baseline
▲ 0.50% · 4.625%
HK$82,077
+HK$4,708/mo
Deposit HK$6.84M · loan HK$15.96M · min. income ≈ HK$154,738/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$969,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,994
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$83,166
−HK$2,204/mo
Today · 4.125%
HK$85,370
baseline
▲ 0.50% · 4.625%
HK$89,870
+HK$4,500/mo
Deposit HK$6.84M · loan HK$15.96M · min. income ≈ HK$170,740/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$969,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,605
−HK$5,870/mo
▼ 0.25% · 3.875%
HK$96,517
−HK$2,958/mo
Today · 4.125%
HK$99,475
baseline
▲ 0.50% · 4.625%
HK$105,528
+HK$6,053/mo
Deposit HK$2.28M · loan HK$20.53M · min. income ≈ HK$198,950/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,135
−HK$5,626/mo
▼ 0.25% · 3.875%
HK$106,928
−HK$2,833/mo
Today · 4.125%
HK$109,761
baseline
▲ 0.50% · 4.625%
HK$115,547
+HK$5,786/mo
Deposit HK$2.28M · loan HK$20.53M · min. income ≈ HK$219,522/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,243 · Scale 2, in force from 26 Feb 2026)