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$52,028
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$53,647
−HK$1,644/mo
Today · 4.125%
HK$55,291
baseline
▲ 0.50% · 4.625%
HK$58,655
+HK$3,364/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$110,582/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$969,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,881
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$59,433
−HK$1,575/mo
Today · 4.125%
HK$61,008
baseline
▲ 0.50% · 4.625%
HK$64,224
+HK$3,216/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$122,016/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$969,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,434
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$64,376
−HK$1,973/mo
Today · 4.125%
HK$66,349
baseline
▲ 0.50% · 4.625%
HK$70,386
+HK$4,037/mo
Deposit HK$9.13M · loan HK$13.69M · min. income ≈ HK$132,698/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$969,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,457
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$71,320
−HK$1,890/mo
Today · 4.125%
HK$73,210
baseline
▲ 0.50% · 4.625%
HK$77,069
+HK$3,859/mo
Deposit HK$9.13M · loan HK$13.69M · min. income ≈ HK$146,420/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$969,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,840
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$75,105
−HK$2,302/mo
Today · 4.125%
HK$77,407
baseline
▲ 0.50% · 4.625%
HK$82,117
+HK$4,710/mo
Deposit HK$6.85M · loan HK$15.97M · min. income ≈ HK$154,814/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$969,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,033
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$83,207
−HK$2,204/mo
Today · 4.125%
HK$85,411
baseline
▲ 0.50% · 4.625%
HK$89,913
+HK$4,502/mo
Deposit HK$6.85M · loan HK$15.97M · min. income ≈ HK$170,822/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$969,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,651
−HK$5,873/mo
▼ 0.25% · 3.875%
HK$96,564
−HK$2,960/mo
Today · 4.125%
HK$99,524
baseline
▲ 0.50% · 4.625%
HK$105,579
+HK$6,055/mo
Deposit HK$2.28M · loan HK$20.54M · min. income ≈ HK$199,048/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,186
−HK$5,629/mo
▼ 0.25% · 3.875%
HK$106,980
−HK$2,835/mo
Today · 4.125%
HK$109,815
baseline
▲ 0.50% · 4.625%
HK$115,603
+HK$5,788/mo
Deposit HK$2.28M · loan HK$20.54M · min. income ≈ HK$219,630/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,717 · Scale 2, in force from 26 Feb 2026)