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$52,118
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$53,739
−HK$1,647/mo
Today · 4.125%
HK$55,386
baseline
▲ 0.50% · 4.625%
HK$58,757
+HK$3,371/mo
Deposit HK$11.43M · loan HK$11.43M · min. income ≈ HK$110,772/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$971,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,981
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$59,536
−HK$1,577/mo
Today · 4.125%
HK$61,113
baseline
▲ 0.50% · 4.625%
HK$64,335
+HK$3,222/mo
Deposit HK$11.43M · loan HK$11.43M · min. income ≈ HK$122,226/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$971,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,542
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$64,487
−HK$1,977/mo
Today · 4.125%
HK$66,464
baseline
▲ 0.50% · 4.625%
HK$70,508
+HK$4,044/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$132,928/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$971,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,577
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$71,443
−HK$1,893/mo
Today · 4.125%
HK$73,336
baseline
▲ 0.50% · 4.625%
HK$77,202
+HK$3,866/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$146,672/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$971,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,965
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$75,235
−HK$2,306/mo
Today · 4.125%
HK$77,541
baseline
▲ 0.50% · 4.625%
HK$82,259
+HK$4,718/mo
Deposit HK$6.86M · loan HK$16.00M · min. income ≈ HK$155,082/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,173
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$83,350
−HK$2,209/mo
Today · 4.125%
HK$85,559
baseline
▲ 0.50% · 4.625%
HK$90,069
+HK$4,510/mo
Deposit HK$6.86M · loan HK$16.00M · min. income ≈ HK$171,118/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,813
−HK$5,883/mo
▼ 0.25% · 3.875%
HK$96,731
−HK$2,965/mo
Today · 4.125%
HK$99,696
baseline
▲ 0.50% · 4.625%
HK$105,762
+HK$6,066/mo
Deposit HK$2.29M · loan HK$20.57M · min. income ≈ HK$199,392/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,366
−HK$5,638/mo
▼ 0.25% · 3.875%
HK$107,165
−HK$2,839/mo
Today · 4.125%
HK$110,004
baseline
▲ 0.50% · 4.625%
HK$115,803
+HK$5,799/mo
Deposit HK$2.29M · loan HK$20.57M · min. income ≈ HK$220,008/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,392 · Scale 2, in force from 26 Feb 2026)