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$52,089
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$53,709
−HK$1,646/mo
Today · 4.125%
HK$55,355
baseline
▲ 0.50% · 4.625%
HK$58,724
+HK$3,369/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$110,710/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$970,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,948
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$59,503
−HK$1,576/mo
Today · 4.125%
HK$61,079
baseline
▲ 0.50% · 4.625%
HK$64,299
+HK$3,220/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$122,158/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$970,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,507
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,451
−HK$1,976/mo
Today · 4.125%
HK$66,427
baseline
▲ 0.50% · 4.625%
HK$70,468
+HK$4,041/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$132,854/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$970,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,538
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,403
−HK$1,892/mo
Today · 4.125%
HK$73,295
baseline
▲ 0.50% · 4.625%
HK$77,159
+HK$3,864/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$146,590/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$970,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,925
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$75,193
−HK$2,305/mo
Today · 4.125%
HK$77,498
baseline
▲ 0.50% · 4.625%
HK$82,213
+HK$4,715/mo
Deposit HK$6.85M · loan HK$15.99M · min. income ≈ HK$154,996/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,128
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$83,304
−HK$2,207/mo
Today · 4.125%
HK$85,511
baseline
▲ 0.50% · 4.625%
HK$90,018
+HK$4,507/mo
Deposit HK$6.85M · loan HK$15.99M · min. income ≈ HK$171,022/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,760
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$96,677
−HK$2,963/mo
Today · 4.125%
HK$99,640
baseline
▲ 0.50% · 4.625%
HK$105,703
+HK$6,063/mo
Deposit HK$2.28M · loan HK$20.56M · min. income ≈ HK$199,280/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$970,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,307
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$107,105
−HK$2,838/mo
Today · 4.125%
HK$109,943
baseline
▲ 0.50% · 4.625%
HK$115,738
+HK$5,795/mo
Deposit HK$2.28M · loan HK$20.56M · min. income ≈ HK$219,886/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$970,848 · Scale 2, in force from 26 Feb 2026)