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$52,143
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$53,765
−HK$1,648/mo
Today · 4.125%
HK$55,413
baseline
▲ 0.50% · 4.625%
HK$58,785
+HK$3,372/mo
Deposit HK$11.43M · loan HK$11.43M · min. income ≈ HK$110,826/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$971,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,009
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,565
−HK$1,578/mo
Today · 4.125%
HK$61,143
baseline
▲ 0.50% · 4.625%
HK$64,366
+HK$3,223/mo
Deposit HK$11.43M · loan HK$11.43M · min. income ≈ HK$122,286/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$971,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,572
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$64,518
−HK$1,978/mo
Today · 4.125%
HK$66,496
baseline
▲ 0.50% · 4.625%
HK$70,542
+HK$4,046/mo
Deposit HK$9.15M · loan HK$13.72M · min. income ≈ HK$132,992/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$971,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,611
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$71,478
−HK$1,894/mo
Today · 4.125%
HK$73,372
baseline
▲ 0.50% · 4.625%
HK$77,239
+HK$3,867/mo
Deposit HK$9.15M · loan HK$13.72M · min. income ≈ HK$146,744/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$971,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,001
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$75,271
−HK$2,308/mo
Today · 4.125%
HK$77,579
baseline
▲ 0.50% · 4.625%
HK$82,299
+HK$4,720/mo
Deposit HK$6.86M · loan HK$16.01M · min. income ≈ HK$155,158/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,213
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$83,391
−HK$2,209/mo
Today · 4.125%
HK$85,600
baseline
▲ 0.50% · 4.625%
HK$90,112
+HK$4,512/mo
Deposit HK$6.86M · loan HK$16.01M · min. income ≈ HK$171,200/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,858
−HK$5,886/mo
▼ 0.25% · 3.875%
HK$96,778
−HK$2,966/mo
Today · 4.125%
HK$99,744
baseline
▲ 0.50% · 4.625%
HK$105,813
+HK$6,069/mo
Deposit HK$2.29M · loan HK$20.58M · min. income ≈ HK$199,488/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,416
−HK$5,641/mo
▼ 0.25% · 3.875%
HK$107,217
−HK$2,840/mo
Today · 4.125%
HK$110,057
baseline
▲ 0.50% · 4.625%
HK$115,859
+HK$5,802/mo
Deposit HK$2.29M · loan HK$20.58M · min. income ≈ HK$220,114/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,862 · Scale 2, in force from 26 Feb 2026)