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$52,011
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$53,628
−HK$1,644/mo
Today · 4.125%
HK$55,272
baseline
▲ 0.50% · 4.625%
HK$58,635
+HK$3,363/mo
Deposit HK$11.40M · loan HK$11.40M · min. income ≈ HK$110,544/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$969,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,861
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,413
−HK$1,574/mo
Today · 4.125%
HK$60,987
baseline
▲ 0.50% · 4.625%
HK$64,202
+HK$3,215/mo
Deposit HK$11.40M · loan HK$11.40M · min. income ≈ HK$121,974/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$969,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,413
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$64,354
−HK$1,973/mo
Today · 4.125%
HK$66,327
baseline
▲ 0.50% · 4.625%
HK$70,362
+HK$4,035/mo
Deposit HK$9.12M · loan HK$13.69M · min. income ≈ HK$132,654/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$969,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,434
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$71,296
−HK$1,889/mo
Today · 4.125%
HK$73,185
baseline
▲ 0.50% · 4.625%
HK$77,043
+HK$3,858/mo
Deposit HK$9.12M · loan HK$13.69M · min. income ≈ HK$146,370/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$969,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,815
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$75,080
−HK$2,301/mo
Today · 4.125%
HK$77,381
baseline
▲ 0.50% · 4.625%
HK$82,089
+HK$4,708/mo
Deposit HK$6.84M · loan HK$15.97M · min. income ≈ HK$154,762/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$969,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,006
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$83,178
−HK$2,204/mo
Today · 4.125%
HK$85,382
baseline
▲ 0.50% · 4.625%
HK$89,883
+HK$4,501/mo
Deposit HK$6.84M · loan HK$15.97M · min. income ≈ HK$170,764/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$969,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,619
−HK$5,871/mo
▼ 0.25% · 3.875%
HK$96,531
−HK$2,959/mo
Today · 4.125%
HK$99,490
baseline
▲ 0.50% · 4.625%
HK$105,544
+HK$6,054/mo
Deposit HK$2.28M · loan HK$20.53M · min. income ≈ HK$198,980/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,150
−HK$5,627/mo
▼ 0.25% · 3.875%
HK$106,944
−HK$2,833/mo
Today · 4.125%
HK$109,777
baseline
▲ 0.50% · 4.625%
HK$115,564
+HK$5,787/mo
Deposit HK$2.28M · loan HK$20.53M · min. income ≈ HK$219,554/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,388 · Scale 2, in force from 26 Feb 2026)