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$52,164
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$53,786
−HK$1,649/mo
Today · 4.125%
HK$55,435
baseline
▲ 0.50% · 4.625%
HK$58,808
+HK$3,373/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$110,870/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$972,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,032
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$59,588
−HK$1,579/mo
Today · 4.125%
HK$61,167
baseline
▲ 0.50% · 4.625%
HK$64,391
+HK$3,224/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$122,334/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$972,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,597
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$64,544
−HK$1,978/mo
Today · 4.125%
HK$66,522
baseline
▲ 0.50% · 4.625%
HK$70,570
+HK$4,048/mo
Deposit HK$9.15M · loan HK$13.73M · min. income ≈ HK$133,044/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$972,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,638
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$71,506
−HK$1,894/mo
Today · 4.125%
HK$73,400
baseline
▲ 0.50% · 4.625%
HK$77,269
+HK$3,869/mo
Deposit HK$9.15M · loan HK$13.73M · min. income ≈ HK$146,800/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$972,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,029
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$75,301
−HK$2,308/mo
Today · 4.125%
HK$77,609
baseline
▲ 0.50% · 4.625%
HK$82,331
+HK$4,722/mo
Deposit HK$6.86M · loan HK$16.01M · min. income ≈ HK$155,218/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$972,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,244
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$83,423
−HK$2,211/mo
Today · 4.125%
HK$85,634
baseline
▲ 0.50% · 4.625%
HK$90,148
+HK$4,514/mo
Deposit HK$6.86M · loan HK$16.01M · min. income ≈ HK$171,268/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$972,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,895
−HK$5,888/mo
▼ 0.25% · 3.875%
HK$96,815
−HK$2,968/mo
Today · 4.125%
HK$99,783
baseline
▲ 0.50% · 4.625%
HK$105,854
+HK$6,071/mo
Deposit HK$2.29M · loan HK$20.59M · min. income ≈ HK$199,566/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,457
−HK$5,643/mo
▼ 0.25% · 3.875%
HK$107,258
−HK$2,842/mo
Today · 4.125%
HK$110,100
baseline
▲ 0.50% · 4.625%
HK$115,904
+HK$5,804/mo
Deposit HK$2.29M · loan HK$20.59M · min. income ≈ HK$220,200/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,242 · Scale 2, in force from 26 Feb 2026)