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$3,262/mo
▼ 0.25% · 3.875%
HK$53,629
−HK$1,644/mo
Today · 4.125%
HK$55,273
baseline
▲ 0.50% · 4.625%
HK$58,636
+HK$3,363/mo
Deposit HK$11.40M · loan HK$11.40M · min. income ≈ HK$110,546/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$969,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,862
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,414
−HK$1,574/mo
Today · 4.125%
HK$60,988
baseline
▲ 0.50% · 4.625%
HK$64,203
+HK$3,215/mo
Deposit HK$11.40M · loan HK$11.40M · min. income ≈ HK$121,976/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$969,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,413
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$64,355
−HK$1,972/mo
Today · 4.125%
HK$66,327
baseline
▲ 0.50% · 4.625%
HK$70,363
+HK$4,036/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$969,395 · 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$969,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,815
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$75,080
−HK$2,302/mo
Today · 4.125%
HK$77,382
baseline
▲ 0.50% · 4.625%
HK$82,090
+HK$4,708/mo
Deposit HK$6.84M · loan HK$15.97M · min. income ≈ HK$154,764/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$969,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,006
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$83,179
−HK$2,204/mo
Today · 4.125%
HK$85,383
baseline
▲ 0.50% · 4.625%
HK$89,884
+HK$4,501/mo
Deposit HK$6.84M · loan HK$15.97M · min. income ≈ HK$170,766/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$969,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,620
−HK$5,871/mo
▼ 0.25% · 3.875%
HK$96,532
−HK$2,959/mo
Today · 4.125%
HK$99,491
baseline
▲ 0.50% · 4.625%
HK$105,544
+HK$6,053/mo
Deposit HK$2.28M · loan HK$20.53M · min. income ≈ HK$198,982/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,151
−HK$5,627/mo
▼ 0.25% · 3.875%
HK$106,944
−HK$2,834/mo
Today · 4.125%
HK$109,778
baseline
▲ 0.50% · 4.625%
HK$115,565
+HK$5,787/mo
Deposit HK$2.28M · loan HK$20.53M · min. income ≈ HK$219,556/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,395 · Scale 2, in force from 26 Feb 2026)