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$52,022
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,640
−HK$1,644/mo
Today · 4.125%
HK$55,284
baseline
▲ 0.50% · 4.625%
HK$58,648
+HK$3,364/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$110,568/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$969,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,874
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,426
−HK$1,574/mo
Today · 4.125%
HK$61,000
baseline
▲ 0.50% · 4.625%
HK$64,216
+HK$3,216/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$122,000/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$969,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,426
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$64,368
−HK$1,973/mo
Today · 4.125%
HK$66,341
baseline
▲ 0.50% · 4.625%
HK$70,377
+HK$4,036/mo
Deposit HK$9.13M · loan HK$13.69M · min. income ≈ HK$132,682/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$969,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,448
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$71,311
−HK$1,890/mo
Today · 4.125%
HK$73,201
baseline
▲ 0.50% · 4.625%
HK$77,059
+HK$3,858/mo
Deposit HK$9.13M · loan HK$13.69M · min. income ≈ HK$146,402/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$969,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,830
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$75,096
−HK$2,302/mo
Today · 4.125%
HK$77,398
baseline
▲ 0.50% · 4.625%
HK$82,107
+HK$4,709/mo
Deposit HK$6.84M · loan HK$15.97M · min. income ≈ HK$154,796/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$969,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,023
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$83,196
−HK$2,205/mo
Today · 4.125%
HK$85,401
baseline
▲ 0.50% · 4.625%
HK$89,902
+HK$4,501/mo
Deposit HK$6.84M · loan HK$15.97M · min. income ≈ HK$170,802/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$969,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,639
−HK$5,872/mo
▼ 0.25% · 3.875%
HK$96,552
−HK$2,959/mo
Today · 4.125%
HK$99,511
baseline
▲ 0.50% · 4.625%
HK$105,566
+HK$6,055/mo
Deposit HK$2.28M · loan HK$20.53M · min. income ≈ HK$199,022/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,173
−HK$5,628/mo
▼ 0.25% · 3.875%
HK$106,967
−HK$2,834/mo
Today · 4.125%
HK$109,801
baseline
▲ 0.50% · 4.625%
HK$115,589
+HK$5,788/mo
Deposit HK$2.28M · loan HK$20.53M · min. income ≈ HK$219,602/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,596 · Scale 2, in force from 26 Feb 2026)