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$52,038
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$53,657
−HK$1,644/mo
Today · 4.125%
HK$55,301
baseline
▲ 0.50% · 4.625%
HK$58,666
+HK$3,365/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$110,602/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$969,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,892
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$59,444
−HK$1,575/mo
Today · 4.125%
HK$61,019
baseline
▲ 0.50% · 4.625%
HK$64,236
+HK$3,217/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$122,038/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$969,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,445
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$64,388
−HK$1,973/mo
Today · 4.125%
HK$66,361
baseline
▲ 0.50% · 4.625%
HK$70,399
+HK$4,038/mo
Deposit HK$9.13M · loan HK$13.69M · min. income ≈ HK$132,722/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$969,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,470
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$71,333
−HK$1,890/mo
Today · 4.125%
HK$73,223
baseline
▲ 0.50% · 4.625%
HK$77,083
+HK$3,860/mo
Deposit HK$9.13M · loan HK$13.69M · min. income ≈ HK$146,446/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$969,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,853
−HK$4,569/mo
▼ 0.25% · 3.875%
HK$75,119
−HK$2,303/mo
Today · 4.125%
HK$77,422
baseline
▲ 0.50% · 4.625%
HK$82,132
+HK$4,710/mo
Deposit HK$6.85M · loan HK$15.97M · min. income ≈ HK$154,844/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$969,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,048
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$83,222
−HK$2,205/mo
Today · 4.125%
HK$85,427
baseline
▲ 0.50% · 4.625%
HK$89,930
+HK$4,503/mo
Deposit HK$6.85M · loan HK$15.97M · min. income ≈ HK$170,854/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$969,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,668
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$96,582
−HK$2,960/mo
Today · 4.125%
HK$99,542
baseline
▲ 0.50% · 4.625%
HK$105,599
+HK$6,057/mo
Deposit HK$2.28M · loan HK$20.54M · min. income ≈ HK$199,084/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,205
−HK$5,630/mo
▼ 0.25% · 3.875%
HK$107,000
−HK$2,835/mo
Today · 4.125%
HK$109,835
baseline
▲ 0.50% · 4.625%
HK$115,624
+HK$5,789/mo
Deposit HK$2.28M · loan HK$20.54M · min. income ≈ HK$219,670/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,896 · Scale 2, in force from 26 Feb 2026)