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$52,041
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$53,660
−HK$1,644/mo
Today · 4.125%
HK$55,304
baseline
▲ 0.50% · 4.625%
HK$58,669
+HK$3,365/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$110,608/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$969,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,895
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,448
−HK$1,575/mo
Today · 4.125%
HK$61,023
baseline
▲ 0.50% · 4.625%
HK$64,239
+HK$3,216/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$122,046/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$969,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,449
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$64,392
−HK$1,973/mo
Today · 4.125%
HK$66,365
baseline
▲ 0.50% · 4.625%
HK$70,403
+HK$4,038/mo
Deposit HK$9.13M · loan HK$13.69M · min. income ≈ HK$132,730/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$969,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,474
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$71,337
−HK$1,890/mo
Today · 4.125%
HK$73,227
baseline
▲ 0.50% · 4.625%
HK$77,087
+HK$3,860/mo
Deposit HK$9.13M · loan HK$13.69M · min. income ≈ HK$146,454/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$969,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,857
−HK$4,569/mo
▼ 0.25% · 3.875%
HK$75,123
−HK$2,303/mo
Today · 4.125%
HK$77,426
baseline
▲ 0.50% · 4.625%
HK$82,137
+HK$4,711/mo
Deposit HK$6.85M · loan HK$15.98M · min. income ≈ HK$154,852/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$969,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,053
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$83,227
−HK$2,205/mo
Today · 4.125%
HK$85,432
baseline
▲ 0.50% · 4.625%
HK$89,935
+HK$4,503/mo
Deposit HK$6.85M · loan HK$15.98M · min. income ≈ HK$170,864/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$969,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,674
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$96,587
−HK$2,961/mo
Today · 4.125%
HK$99,548
baseline
▲ 0.50% · 4.625%
HK$105,605
+HK$6,057/mo
Deposit HK$2.28M · loan HK$20.54M · min. income ≈ HK$199,096/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,211
−HK$5,630/mo
▼ 0.25% · 3.875%
HK$107,006
−HK$2,835/mo
Today · 4.125%
HK$109,841
baseline
▲ 0.50% · 4.625%
HK$115,631
+HK$5,790/mo
Deposit HK$2.28M · loan HK$20.54M · min. income ≈ HK$219,682/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,952 · Scale 2, in force from 26 Feb 2026)