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$52,031
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$53,650
−HK$1,644/mo
Today · 4.125%
HK$55,294
baseline
▲ 0.50% · 4.625%
HK$58,658
+HK$3,364/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$110,588/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$969,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,884
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$59,437
−HK$1,574/mo
Today · 4.125%
HK$61,011
baseline
▲ 0.50% · 4.625%
HK$64,227
+HK$3,216/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$122,022/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$969,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,437
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$64,379
−HK$1,974/mo
Today · 4.125%
HK$66,353
baseline
▲ 0.50% · 4.625%
HK$70,390
+HK$4,037/mo
Deposit HK$9.13M · loan HK$13.69M · min. income ≈ HK$132,706/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$969,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,461
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$71,324
−HK$1,890/mo
Today · 4.125%
HK$73,214
baseline
▲ 0.50% · 4.625%
HK$77,073
+HK$3,859/mo
Deposit HK$9.13M · loan HK$13.69M · min. income ≈ HK$146,428/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$969,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,844
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$75,109
−HK$2,302/mo
Today · 4.125%
HK$77,411
baseline
▲ 0.50% · 4.625%
HK$82,122
+HK$4,711/mo
Deposit HK$6.85M · loan HK$15.97M · min. income ≈ HK$154,822/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$969,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,038
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$83,211
−HK$2,205/mo
Today · 4.125%
HK$85,416
baseline
▲ 0.50% · 4.625%
HK$89,918
+HK$4,502/mo
Deposit HK$6.85M · loan HK$15.97M · min. income ≈ HK$170,832/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$969,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,656
−HK$5,873/mo
▼ 0.25% · 3.875%
HK$96,569
−HK$2,960/mo
Today · 4.125%
HK$99,529
baseline
▲ 0.50% · 4.625%
HK$105,585
+HK$6,056/mo
Deposit HK$2.28M · loan HK$20.54M · min. income ≈ HK$199,058/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,191
−HK$5,629/mo
▼ 0.25% · 3.875%
HK$106,986
−HK$2,834/mo
Today · 4.125%
HK$109,820
baseline
▲ 0.50% · 4.625%
HK$115,609
+HK$5,789/mo
Deposit HK$2.28M · loan HK$20.54M · min. income ≈ HK$219,640/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,770 · Scale 2, in force from 26 Feb 2026)