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$52,042
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$53,661
−HK$1,644/mo
Today · 4.125%
HK$55,305
baseline
▲ 0.50% · 4.625%
HK$58,670
+HK$3,365/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$110,610/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$969,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,896
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,449
−HK$1,575/mo
Today · 4.125%
HK$61,024
baseline
▲ 0.50% · 4.625%
HK$64,241
+HK$3,217/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$122,048/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$969,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,450
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$64,393
−HK$1,973/mo
Today · 4.125%
HK$66,366
baseline
▲ 0.50% · 4.625%
HK$70,405
+HK$4,039/mo
Deposit HK$9.13M · loan HK$13.69M · min. income ≈ HK$132,732/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$969,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,475
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$71,338
−HK$1,891/mo
Today · 4.125%
HK$73,229
baseline
▲ 0.50% · 4.625%
HK$77,089
+HK$3,860/mo
Deposit HK$9.13M · loan HK$13.69M · min. income ≈ HK$146,458/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$969,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,859
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$75,125
−HK$2,302/mo
Today · 4.125%
HK$77,427
baseline
▲ 0.50% · 4.625%
HK$82,139
+HK$4,712/mo
Deposit HK$6.85M · loan HK$15.98M · min. income ≈ HK$154,854/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$969,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,054
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$83,228
−HK$2,205/mo
Today · 4.125%
HK$85,433
baseline
▲ 0.50% · 4.625%
HK$89,937
+HK$4,504/mo
Deposit HK$6.85M · loan HK$15.98M · min. income ≈ HK$170,866/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$969,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,675
−HK$5,875/mo
▼ 0.25% · 3.875%
HK$96,589
−HK$2,961/mo
Today · 4.125%
HK$99,550
baseline
▲ 0.50% · 4.625%
HK$105,607
+HK$6,057/mo
Deposit HK$2.28M · loan HK$20.54M · min. income ≈ HK$199,100/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,213
−HK$5,630/mo
▼ 0.25% · 3.875%
HK$107,008
−HK$2,835/mo
Today · 4.125%
HK$109,843
baseline
▲ 0.50% · 4.625%
HK$115,633
+HK$5,790/mo
Deposit HK$2.28M · loan HK$20.54M · min. income ≈ HK$219,686/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,969 · Scale 2, in force from 26 Feb 2026)