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$52,002
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$53,619
−HK$1,644/mo
Today · 4.125%
HK$55,263
baseline
▲ 0.50% · 4.625%
HK$58,625
+HK$3,362/mo
Deposit HK$11.40M · loan HK$11.40M · min. income ≈ HK$110,526/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$969,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,851
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,403
−HK$1,574/mo
Today · 4.125%
HK$60,977
baseline
▲ 0.50% · 4.625%
HK$64,191
+HK$3,214/mo
Deposit HK$11.40M · loan HK$11.40M · min. income ≈ HK$121,954/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$969,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,402
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$64,343
−HK$1,972/mo
Today · 4.125%
HK$66,315
baseline
▲ 0.50% · 4.625%
HK$70,350
+HK$4,035/mo
Deposit HK$9.12M · loan HK$13.68M · min. income ≈ HK$132,630/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$969,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,422
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$71,284
−HK$1,888/mo
Today · 4.125%
HK$73,172
baseline
▲ 0.50% · 4.625%
HK$77,029
+HK$3,857/mo
Deposit HK$9.12M · loan HK$13.68M · min. income ≈ HK$146,344/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$969,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,802
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$75,067
−HK$2,301/mo
Today · 4.125%
HK$77,368
baseline
▲ 0.50% · 4.625%
HK$82,076
+HK$4,708/mo
Deposit HK$6.84M · loan HK$15.96M · min. income ≈ HK$154,736/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$969,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,992
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$83,164
−HK$2,204/mo
Today · 4.125%
HK$85,368
baseline
▲ 0.50% · 4.625%
HK$89,868
+HK$4,500/mo
Deposit HK$6.84M · loan HK$15.96M · min. income ≈ HK$170,736/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$969,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,603
−HK$5,870/mo
▼ 0.25% · 3.875%
HK$96,515
−HK$2,958/mo
Today · 4.125%
HK$99,473
baseline
▲ 0.50% · 4.625%
HK$105,526
+HK$6,053/mo
Deposit HK$2.28M · loan HK$20.52M · min. income ≈ HK$198,946/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,133
−HK$5,626/mo
▼ 0.25% · 3.875%
HK$106,925
−HK$2,834/mo
Today · 4.125%
HK$109,759
baseline
▲ 0.50% · 4.625%
HK$115,544
+HK$5,785/mo
Deposit HK$2.28M · loan HK$20.52M · min. income ≈ HK$219,518/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,223 · Scale 2, in force from 26 Feb 2026)