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$52,010
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,628
−HK$1,644/mo
Today · 4.125%
HK$55,272
baseline
▲ 0.50% · 4.625%
HK$58,635
+HK$3,363/mo
Deposit HK$11.40M · loan HK$11.40M · min. income ≈ HK$110,544/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$969,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,861
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,413
−HK$1,574/mo
Today · 4.125%
HK$60,987
baseline
▲ 0.50% · 4.625%
HK$64,202
+HK$3,215/mo
Deposit HK$11.40M · loan HK$11.40M · min. income ≈ HK$121,974/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$969,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,412
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$64,354
−HK$1,972/mo
Today · 4.125%
HK$66,326
baseline
▲ 0.50% · 4.625%
HK$70,362
+HK$4,036/mo
Deposit HK$9.12M · loan HK$13.69M · min. income ≈ HK$132,652/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$969,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,433
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$71,295
−HK$1,889/mo
Today · 4.125%
HK$73,184
baseline
▲ 0.50% · 4.625%
HK$77,042
+HK$3,858/mo
Deposit HK$9.12M · loan HK$13.69M · min. income ≈ HK$146,368/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$969,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,814
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$75,079
−HK$2,301/mo
Today · 4.125%
HK$77,380
baseline
▲ 0.50% · 4.625%
HK$82,089
+HK$4,709/mo
Deposit HK$6.84M · loan HK$15.97M · min. income ≈ HK$154,760/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$969,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,005
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$83,178
−HK$2,204/mo
Today · 4.125%
HK$85,382
baseline
▲ 0.50% · 4.625%
HK$89,882
+HK$4,500/mo
Deposit HK$6.84M · loan HK$15.97M · min. income ≈ HK$170,764/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$969,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,618
−HK$5,871/mo
▼ 0.25% · 3.875%
HK$96,530
−HK$2,959/mo
Today · 4.125%
HK$99,489
baseline
▲ 0.50% · 4.625%
HK$105,543
+HK$6,054/mo
Deposit HK$2.28M · loan HK$20.53M · min. income ≈ HK$198,978/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,149
−HK$5,627/mo
▼ 0.25% · 3.875%
HK$106,943
−HK$2,833/mo
Today · 4.125%
HK$109,776
baseline
▲ 0.50% · 4.625%
HK$115,563
+HK$5,787/mo
Deposit HK$2.28M · loan HK$20.53M · min. income ≈ HK$219,552/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,380 · Scale 2, in force from 26 Feb 2026)