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$51,995
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$53,612
−HK$1,644/mo
Today · 4.125%
HK$55,256
baseline
▲ 0.50% · 4.625%
HK$58,618
+HK$3,362/mo
Deposit HK$11.40M · loan HK$11.40M · min. income ≈ HK$110,512/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$969,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,844
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$59,395
−HK$1,574/mo
Today · 4.125%
HK$60,969
baseline
▲ 0.50% · 4.625%
HK$64,183
+HK$3,214/mo
Deposit HK$11.40M · loan HK$11.40M · min. income ≈ HK$121,938/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$969,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,394
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$64,335
−HK$1,972/mo
Today · 4.125%
HK$66,307
baseline
▲ 0.50% · 4.625%
HK$70,341
+HK$4,034/mo
Deposit HK$9.12M · loan HK$13.68M · min. income ≈ HK$132,614/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$969,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,413
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$71,274
−HK$1,889/mo
Today · 4.125%
HK$73,163
baseline
▲ 0.50% · 4.625%
HK$77,019
+HK$3,856/mo
Deposit HK$9.12M · loan HK$13.68M · min. income ≈ HK$146,326/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$969,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,793
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$75,057
−HK$2,301/mo
Today · 4.125%
HK$77,358
baseline
▲ 0.50% · 4.625%
HK$82,065
+HK$4,707/mo
Deposit HK$6.84M · loan HK$15.96M · min. income ≈ HK$154,716/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$969,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,981
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$83,153
−HK$2,204/mo
Today · 4.125%
HK$85,357
baseline
▲ 0.50% · 4.625%
HK$89,856
+HK$4,499/mo
Deposit HK$6.84M · loan HK$15.96M · min. income ≈ HK$170,714/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$969,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,591
−HK$5,869/mo
▼ 0.25% · 3.875%
HK$96,502
−HK$2,958/mo
Today · 4.125%
HK$99,460
baseline
▲ 0.50% · 4.625%
HK$105,512
+HK$6,052/mo
Deposit HK$2.28M · loan HK$20.52M · min. income ≈ HK$198,920/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,119
−HK$5,625/mo
▼ 0.25% · 3.875%
HK$106,911
−HK$2,833/mo
Today · 4.125%
HK$109,744
baseline
▲ 0.50% · 4.625%
HK$115,529
+HK$5,785/mo
Deposit HK$2.28M · loan HK$20.52M · min. income ≈ HK$219,488/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,097 · Scale 2, in force from 26 Feb 2026)