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$52,062
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$53,681
−HK$1,645/mo
Today · 4.125%
HK$55,326
baseline
▲ 0.50% · 4.625%
HK$58,693
+HK$3,367/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$110,652/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$970,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,918
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$59,471
−HK$1,576/mo
Today · 4.125%
HK$61,047
baseline
▲ 0.50% · 4.625%
HK$64,265
+HK$3,218/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$122,094/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$970,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,474
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$64,417
−HK$1,975/mo
Today · 4.125%
HK$66,392
baseline
▲ 0.50% · 4.625%
HK$70,431
+HK$4,039/mo
Deposit HK$9.13M · loan HK$13.70M · min. income ≈ HK$132,784/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$970,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,502
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$71,366
−HK$1,891/mo
Today · 4.125%
HK$73,257
baseline
▲ 0.50% · 4.625%
HK$77,118
+HK$3,861/mo
Deposit HK$9.13M · loan HK$13.70M · min. income ≈ HK$146,514/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$970,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,886
−HK$4,571/mo
▼ 0.25% · 3.875%
HK$75,153
−HK$2,304/mo
Today · 4.125%
HK$77,457
baseline
▲ 0.50% · 4.625%
HK$82,170
+HK$4,713/mo
Deposit HK$6.85M · loan HK$15.98M · min. income ≈ HK$154,914/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,085
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$83,260
−HK$2,206/mo
Today · 4.125%
HK$85,466
baseline
▲ 0.50% · 4.625%
HK$89,971
+HK$4,505/mo
Deposit HK$6.85M · loan HK$15.98M · min. income ≈ HK$170,932/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,711
−HK$5,876/mo
▼ 0.25% · 3.875%
HK$96,626
−HK$2,961/mo
Today · 4.125%
HK$99,587
baseline
▲ 0.50% · 4.625%
HK$105,647
+HK$6,060/mo
Deposit HK$2.28M · loan HK$20.55M · min. income ≈ HK$199,174/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$970,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,252
−HK$5,633/mo
▼ 0.25% · 3.875%
HK$107,048
−HK$2,837/mo
Today · 4.125%
HK$109,885
baseline
▲ 0.50% · 4.625%
HK$115,677
+HK$5,792/mo
Deposit HK$2.28M · loan HK$20.55M · min. income ≈ HK$219,770/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$970,338 · Scale 2, in force from 26 Feb 2026)