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$52,051
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$53,670
−HK$1,645/mo
Today · 4.125%
HK$55,315
baseline
▲ 0.50% · 4.625%
HK$58,681
+HK$3,366/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$110,630/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$970,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,906
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,459
−HK$1,575/mo
Today · 4.125%
HK$61,034
baseline
▲ 0.50% · 4.625%
HK$64,252
+HK$3,218/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$122,068/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$970,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,461
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$64,404
−HK$1,974/mo
Today · 4.125%
HK$66,378
baseline
▲ 0.50% · 4.625%
HK$70,417
+HK$4,039/mo
Deposit HK$9.13M · loan HK$13.70M · min. income ≈ HK$132,756/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$970,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,487
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$71,351
−HK$1,890/mo
Today · 4.125%
HK$73,241
baseline
▲ 0.50% · 4.625%
HK$77,102
+HK$3,861/mo
Deposit HK$9.13M · loan HK$13.70M · min. income ≈ HK$146,482/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$970,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,871
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$75,138
−HK$2,303/mo
Today · 4.125%
HK$77,441
baseline
▲ 0.50% · 4.625%
HK$82,153
+HK$4,712/mo
Deposit HK$6.85M · loan HK$15.98M · min. income ≈ HK$154,882/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,068
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$83,243
−HK$2,205/mo
Today · 4.125%
HK$85,448
baseline
▲ 0.50% · 4.625%
HK$89,952
+HK$4,504/mo
Deposit HK$6.85M · loan HK$15.98M · min. income ≈ HK$170,896/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,691
−HK$5,876/mo
▼ 0.25% · 3.875%
HK$96,606
−HK$2,961/mo
Today · 4.125%
HK$99,567
baseline
▲ 0.50% · 4.625%
HK$105,625
+HK$6,058/mo
Deposit HK$2.28M · loan HK$20.54M · min. income ≈ HK$199,134/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$970,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,231
−HK$5,631/mo
▼ 0.25% · 3.875%
HK$107,026
−HK$2,836/mo
Today · 4.125%
HK$109,862
baseline
▲ 0.50% · 4.625%
HK$115,653
+HK$5,791/mo
Deposit HK$2.28M · loan HK$20.54M · min. income ≈ HK$219,724/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$970,136 · Scale 2, in force from 26 Feb 2026)