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$52,017
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,635
−HK$1,644/mo
Today · 4.125%
HK$55,279
baseline
▲ 0.50% · 4.625%
HK$58,642
+HK$3,363/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$110,558/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$969,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,868
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$59,420
−HK$1,575/mo
Today · 4.125%
HK$60,995
baseline
▲ 0.50% · 4.625%
HK$64,210
+HK$3,215/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$121,990/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$969,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,420
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$64,362
−HK$1,973/mo
Today · 4.125%
HK$66,335
baseline
▲ 0.50% · 4.625%
HK$70,371
+HK$4,036/mo
Deposit HK$9.12M · loan HK$13.69M · min. income ≈ HK$132,670/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$969,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,442
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$71,304
−HK$1,890/mo
Today · 4.125%
HK$73,194
baseline
▲ 0.50% · 4.625%
HK$77,052
+HK$3,858/mo
Deposit HK$9.12M · loan HK$13.69M · min. income ≈ HK$146,388/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$969,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,824
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$75,089
−HK$2,301/mo
Today · 4.125%
HK$77,390
baseline
▲ 0.50% · 4.625%
HK$82,099
+HK$4,709/mo
Deposit HK$6.84M · loan HK$15.97M · min. income ≈ HK$154,780/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$969,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,015
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$83,188
−HK$2,205/mo
Today · 4.125%
HK$85,393
baseline
▲ 0.50% · 4.625%
HK$89,894
+HK$4,501/mo
Deposit HK$6.84M · loan HK$15.97M · min. income ≈ HK$170,786/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$969,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,630
−HK$5,872/mo
▼ 0.25% · 3.875%
HK$96,543
−HK$2,959/mo
Today · 4.125%
HK$99,502
baseline
▲ 0.50% · 4.625%
HK$105,556
+HK$6,054/mo
Deposit HK$2.28M · loan HK$20.53M · min. income ≈ HK$199,004/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,163
−HK$5,627/mo
▼ 0.25% · 3.875%
HK$106,956
−HK$2,834/mo
Today · 4.125%
HK$109,790
baseline
▲ 0.50% · 4.625%
HK$115,578
+HK$5,788/mo
Deposit HK$2.28M · loan HK$20.53M · min. income ≈ HK$219,580/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,504 · Scale 2, in force from 26 Feb 2026)