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$52,015
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,633
−HK$1,644/mo
Today · 4.125%
HK$55,277
baseline
▲ 0.50% · 4.625%
HK$58,640
+HK$3,363/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$110,554/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$969,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,866
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,418
−HK$1,574/mo
Today · 4.125%
HK$60,992
baseline
▲ 0.50% · 4.625%
HK$64,207
+HK$3,215/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$121,984/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$969,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,418
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$64,359
−HK$1,973/mo
Today · 4.125%
HK$66,332
baseline
▲ 0.50% · 4.625%
HK$70,368
+HK$4,036/mo
Deposit HK$9.12M · loan HK$13.69M · min. income ≈ HK$132,664/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$969,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,439
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$71,302
−HK$1,889/mo
Today · 4.125%
HK$73,191
baseline
▲ 0.50% · 4.625%
HK$77,049
+HK$3,858/mo
Deposit HK$9.12M · loan HK$13.69M · min. income ≈ HK$146,382/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$969,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,821
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$75,086
−HK$2,301/mo
Today · 4.125%
HK$77,387
baseline
▲ 0.50% · 4.625%
HK$82,096
+HK$4,709/mo
Deposit HK$6.84M · loan HK$15.97M · min. income ≈ HK$154,774/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$969,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,012
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$83,185
−HK$2,204/mo
Today · 4.125%
HK$85,389
baseline
▲ 0.50% · 4.625%
HK$89,890
+HK$4,501/mo
Deposit HK$6.84M · loan HK$15.97M · min. income ≈ HK$170,778/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$969,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,627
−HK$5,871/mo
▼ 0.25% · 3.875%
HK$96,539
−HK$2,959/mo
Today · 4.125%
HK$99,498
baseline
▲ 0.50% · 4.625%
HK$105,552
+HK$6,054/mo
Deposit HK$2.28M · loan HK$20.53M · min. income ≈ HK$198,996/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,159
−HK$5,627/mo
▼ 0.25% · 3.875%
HK$106,952
−HK$2,834/mo
Today · 4.125%
HK$109,786
baseline
▲ 0.50% · 4.625%
HK$115,573
+HK$5,787/mo
Deposit HK$2.28M · loan HK$20.53M · min. income ≈ HK$219,572/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,467 · Scale 2, in force from 26 Feb 2026)