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$52,145
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$53,767
−HK$1,647/mo
Today · 4.125%
HK$55,414
baseline
▲ 0.50% · 4.625%
HK$58,786
+HK$3,372/mo
Deposit HK$11.43M · loan HK$11.43M · min. income ≈ HK$110,828/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$971,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,010
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,566
−HK$1,578/mo
Today · 4.125%
HK$61,144
baseline
▲ 0.50% · 4.625%
HK$64,367
+HK$3,223/mo
Deposit HK$11.43M · loan HK$11.43M · min. income ≈ HK$122,288/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$971,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,573
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$64,520
−HK$1,977/mo
Today · 4.125%
HK$66,497
baseline
▲ 0.50% · 4.625%
HK$70,544
+HK$4,047/mo
Deposit HK$9.15M · loan HK$13.72M · min. income ≈ HK$132,994/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$971,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,612
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$71,479
−HK$1,894/mo
Today · 4.125%
HK$73,373
baseline
▲ 0.50% · 4.625%
HK$77,241
+HK$3,868/mo
Deposit HK$9.15M · loan HK$13.72M · min. income ≈ HK$146,746/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$971,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,002
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$75,273
−HK$2,307/mo
Today · 4.125%
HK$77,580
baseline
▲ 0.50% · 4.625%
HK$82,301
+HK$4,721/mo
Deposit HK$6.86M · loan HK$16.01M · min. income ≈ HK$155,160/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,214
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$83,393
−HK$2,209/mo
Today · 4.125%
HK$85,602
baseline
▲ 0.50% · 4.625%
HK$90,114
+HK$4,512/mo
Deposit HK$6.86M · loan HK$16.01M · min. income ≈ HK$171,204/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,860
−HK$5,886/mo
▼ 0.25% · 3.875%
HK$96,780
−HK$2,966/mo
Today · 4.125%
HK$99,746
baseline
▲ 0.50% · 4.625%
HK$105,815
+HK$6,069/mo
Deposit HK$2.29M · loan HK$20.58M · min. income ≈ HK$199,492/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,419
−HK$5,641/mo
▼ 0.25% · 3.875%
HK$107,219
−HK$2,841/mo
Today · 4.125%
HK$110,060
baseline
▲ 0.50% · 4.625%
HK$115,861
+HK$5,801/mo
Deposit HK$2.29M · loan HK$20.58M · min. income ≈ HK$220,120/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,884 · Scale 2, in force from 26 Feb 2026)