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$52,039
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$53,657
−HK$1,645/mo
Today · 4.125%
HK$55,302
baseline
▲ 0.50% · 4.625%
HK$58,667
+HK$3,365/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$110,604/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$969,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,892
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,445
−HK$1,575/mo
Today · 4.125%
HK$61,020
baseline
▲ 0.50% · 4.625%
HK$64,237
+HK$3,217/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$122,040/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$969,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,446
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$64,389
−HK$1,973/mo
Today · 4.125%
HK$66,362
baseline
▲ 0.50% · 4.625%
HK$70,400
+HK$4,038/mo
Deposit HK$9.13M · loan HK$13.69M · min. income ≈ HK$132,724/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$969,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,471
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$71,334
−HK$1,890/mo
Today · 4.125%
HK$73,224
baseline
▲ 0.50% · 4.625%
HK$77,084
+HK$3,860/mo
Deposit HK$9.13M · loan HK$13.69M · min. income ≈ HK$146,448/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$969,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,854
−HK$4,569/mo
▼ 0.25% · 3.875%
HK$75,120
−HK$2,303/mo
Today · 4.125%
HK$77,423
baseline
▲ 0.50% · 4.625%
HK$82,134
+HK$4,711/mo
Deposit HK$6.85M · loan HK$15.97M · min. income ≈ HK$154,846/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$969,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,049
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$83,223
−HK$2,205/mo
Today · 4.125%
HK$85,428
baseline
▲ 0.50% · 4.625%
HK$89,931
+HK$4,503/mo
Deposit HK$6.85M · loan HK$15.97M · min. income ≈ HK$170,856/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$969,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,669
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$96,583
−HK$2,960/mo
Today · 4.125%
HK$99,543
baseline
▲ 0.50% · 4.625%
HK$105,600
+HK$6,057/mo
Deposit HK$2.28M · loan HK$20.54M · min. income ≈ HK$199,086/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,206
−HK$5,630/mo
▼ 0.25% · 3.875%
HK$107,001
−HK$2,835/mo
Today · 4.125%
HK$109,836
baseline
▲ 0.50% · 4.625%
HK$115,626
+HK$5,790/mo
Deposit HK$2.28M · loan HK$20.54M · min. income ≈ HK$219,672/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,908 · Scale 2, in force from 26 Feb 2026)