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$52,043
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$53,662
−HK$1,644/mo
Today · 4.125%
HK$55,306
baseline
▲ 0.50% · 4.625%
HK$58,671
+HK$3,365/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$110,612/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$969,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,897
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,450
−HK$1,575/mo
Today · 4.125%
HK$61,025
baseline
▲ 0.50% · 4.625%
HK$64,242
+HK$3,217/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$122,050/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$969,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,451
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$64,394
−HK$1,973/mo
Today · 4.125%
HK$66,367
baseline
▲ 0.50% · 4.625%
HK$70,406
+HK$4,039/mo
Deposit HK$9.13M · loan HK$13.69M · min. income ≈ HK$132,734/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$969,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,476
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$71,340
−HK$1,890/mo
Today · 4.125%
HK$73,230
baseline
▲ 0.50% · 4.625%
HK$77,090
+HK$3,860/mo
Deposit HK$9.13M · loan HK$13.69M · min. income ≈ HK$146,460/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$969,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,860
−HK$4,569/mo
▼ 0.25% · 3.875%
HK$75,126
−HK$2,303/mo
Today · 4.125%
HK$77,429
baseline
▲ 0.50% · 4.625%
HK$82,140
+HK$4,711/mo
Deposit HK$6.85M · loan HK$15.98M · min. income ≈ HK$154,858/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$969,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,056
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$83,230
−HK$2,205/mo
Today · 4.125%
HK$85,435
baseline
▲ 0.50% · 4.625%
HK$89,938
+HK$4,503/mo
Deposit HK$6.85M · loan HK$15.98M · min. income ≈ HK$170,870/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$969,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,677
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$96,591
−HK$2,960/mo
Today · 4.125%
HK$99,551
baseline
▲ 0.50% · 4.625%
HK$105,609
+HK$6,058/mo
Deposit HK$2.28M · loan HK$20.54M · min. income ≈ HK$199,102/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,215
−HK$5,630/mo
▼ 0.25% · 3.875%
HK$107,010
−HK$2,835/mo
Today · 4.125%
HK$109,845
baseline
▲ 0.50% · 4.625%
HK$115,635
+HK$5,790/mo
Deposit HK$2.28M · loan HK$20.54M · min. income ≈ HK$219,690/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,985 · Scale 2, in force from 26 Feb 2026)