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$52,036
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$53,655
−HK$1,645/mo
Today · 4.125%
HK$55,300
baseline
▲ 0.50% · 4.625%
HK$58,664
+HK$3,364/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$110,600/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$969,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,890
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,443
−HK$1,575/mo
Today · 4.125%
HK$61,018
baseline
▲ 0.50% · 4.625%
HK$64,234
+HK$3,216/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$122,036/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$969,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,444
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$64,386
−HK$1,973/mo
Today · 4.125%
HK$66,359
baseline
▲ 0.50% · 4.625%
HK$70,397
+HK$4,038/mo
Deposit HK$9.13M · loan HK$13.69M · min. income ≈ HK$132,718/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$969,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,468
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$71,331
−HK$1,890/mo
Today · 4.125%
HK$73,221
baseline
▲ 0.50% · 4.625%
HK$77,081
+HK$3,860/mo
Deposit HK$9.13M · loan HK$13.69M · min. income ≈ HK$146,442/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$969,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,851
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$75,117
−HK$2,302/mo
Today · 4.125%
HK$77,419
baseline
▲ 0.50% · 4.625%
HK$82,130
+HK$4,711/mo
Deposit HK$6.85M · loan HK$15.97M · min. income ≈ HK$154,838/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$969,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,046
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$83,220
−HK$2,205/mo
Today · 4.125%
HK$85,425
baseline
▲ 0.50% · 4.625%
HK$89,927
+HK$4,502/mo
Deposit HK$6.85M · loan HK$15.97M · min. income ≈ HK$170,850/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$969,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,666
−HK$5,873/mo
▼ 0.25% · 3.875%
HK$96,579
−HK$2,960/mo
Today · 4.125%
HK$99,539
baseline
▲ 0.50% · 4.625%
HK$105,596
+HK$6,057/mo
Deposit HK$2.28M · loan HK$20.54M · min. income ≈ HK$199,078/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,202
−HK$5,630/mo
▼ 0.25% · 3.875%
HK$106,997
−HK$2,835/mo
Today · 4.125%
HK$109,832
baseline
▲ 0.50% · 4.625%
HK$115,621
+HK$5,789/mo
Deposit HK$2.28M · loan HK$20.54M · min. income ≈ HK$219,664/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,868 · Scale 2, in force from 26 Feb 2026)