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$52,087
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$53,708
−HK$1,646/mo
Today · 4.125%
HK$55,354
baseline
▲ 0.50% · 4.625%
HK$58,722
+HK$3,368/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$110,708/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$970,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,947
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$59,501
−HK$1,576/mo
Today · 4.125%
HK$61,077
baseline
▲ 0.50% · 4.625%
HK$64,297
+HK$3,220/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$122,154/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$970,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,505
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,449
−HK$1,976/mo
Today · 4.125%
HK$66,425
baseline
▲ 0.50% · 4.625%
HK$70,466
+HK$4,041/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$132,850/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$970,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,536
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,401
−HK$1,892/mo
Today · 4.125%
HK$73,293
baseline
▲ 0.50% · 4.625%
HK$77,156
+HK$3,863/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$146,586/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$970,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,922
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$75,191
−HK$2,304/mo
Today · 4.125%
HK$77,495
baseline
▲ 0.50% · 4.625%
HK$82,211
+HK$4,716/mo
Deposit HK$6.85M · loan HK$15.99M · min. income ≈ HK$154,990/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,126
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$83,301
−HK$2,207/mo
Today · 4.125%
HK$85,508
baseline
▲ 0.50% · 4.625%
HK$90,016
+HK$4,508/mo
Deposit HK$6.85M · loan HK$15.99M · min. income ≈ HK$171,016/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,757
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$96,674
−HK$2,963/mo
Today · 4.125%
HK$99,637
baseline
▲ 0.50% · 4.625%
HK$105,700
+HK$6,063/mo
Deposit HK$2.28M · loan HK$20.56M · min. income ≈ HK$199,274/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$970,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,304
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$107,102
−HK$2,837/mo
Today · 4.125%
HK$109,939
baseline
▲ 0.50% · 4.625%
HK$115,735
+HK$5,796/mo
Deposit HK$2.28M · loan HK$20.56M · min. income ≈ HK$219,878/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$970,820 · Scale 2, in force from 26 Feb 2026)