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$52,025
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,643
−HK$1,644/mo
Today · 4.125%
HK$55,287
baseline
▲ 0.50% · 4.625%
HK$58,651
+HK$3,364/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$110,574/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$969,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,877
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$59,429
−HK$1,575/mo
Today · 4.125%
HK$61,004
baseline
▲ 0.50% · 4.625%
HK$64,219
+HK$3,215/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$122,008/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$969,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,430
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$64,372
−HK$1,973/mo
Today · 4.125%
HK$66,345
baseline
▲ 0.50% · 4.625%
HK$70,381
+HK$4,036/mo
Deposit HK$9.13M · loan HK$13.69M · min. income ≈ HK$132,690/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$969,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,452
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$71,315
−HK$1,890/mo
Today · 4.125%
HK$73,205
baseline
▲ 0.50% · 4.625%
HK$77,063
+HK$3,858/mo
Deposit HK$9.13M · loan HK$13.69M · min. income ≈ HK$146,410/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$969,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,835
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$75,100
−HK$2,302/mo
Today · 4.125%
HK$77,402
baseline
▲ 0.50% · 4.625%
HK$82,112
+HK$4,710/mo
Deposit HK$6.84M · loan HK$15.97M · min. income ≈ HK$154,804/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$969,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,028
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$83,201
−HK$2,204/mo
Today · 4.125%
HK$85,405
baseline
▲ 0.50% · 4.625%
HK$89,907
+HK$4,502/mo
Deposit HK$6.84M · loan HK$15.97M · min. income ≈ HK$170,810/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$969,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,644
−HK$5,873/mo
▼ 0.25% · 3.875%
HK$96,557
−HK$2,960/mo
Today · 4.125%
HK$99,517
baseline
▲ 0.50% · 4.625%
HK$105,572
+HK$6,055/mo
Deposit HK$2.28M · loan HK$20.53M · min. income ≈ HK$199,034/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,179
−HK$5,628/mo
▼ 0.25% · 3.875%
HK$106,973
−HK$2,834/mo
Today · 4.125%
HK$109,807
baseline
▲ 0.50% · 4.625%
HK$115,595
+HK$5,788/mo
Deposit HK$2.28M · loan HK$20.53M · min. income ≈ HK$219,614/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,650 · Scale 2, in force from 26 Feb 2026)