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$52,092
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$53,712
−HK$1,646/mo
Today · 4.125%
HK$55,358
baseline
▲ 0.50% · 4.625%
HK$58,727
+HK$3,369/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$110,716/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$970,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,951
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$59,506
−HK$1,576/mo
Today · 4.125%
HK$61,082
baseline
▲ 0.50% · 4.625%
HK$64,302
+HK$3,220/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$122,164/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$970,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,510
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,454
−HK$1,976/mo
Today · 4.125%
HK$66,430
baseline
▲ 0.50% · 4.625%
HK$70,472
+HK$4,042/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$132,860/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$970,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,542
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,407
−HK$1,892/mo
Today · 4.125%
HK$73,299
baseline
▲ 0.50% · 4.625%
HK$77,162
+HK$3,863/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$146,598/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$970,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,928
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$75,197
−HK$2,304/mo
Today · 4.125%
HK$77,501
baseline
▲ 0.50% · 4.625%
HK$82,217
+HK$4,716/mo
Deposit HK$6.85M · loan HK$15.99M · min. income ≈ HK$155,002/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,132
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$83,308
−HK$2,207/mo
Today · 4.125%
HK$85,515
baseline
▲ 0.50% · 4.625%
HK$90,023
+HK$4,508/mo
Deposit HK$6.85M · loan HK$15.99M · min. income ≈ HK$171,030/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,765
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$96,681
−HK$2,964/mo
Today · 4.125%
HK$99,645
baseline
▲ 0.50% · 4.625%
HK$105,708
+HK$6,063/mo
Deposit HK$2.28M · loan HK$20.56M · min. income ≈ HK$199,290/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$970,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,312
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$107,110
−HK$2,838/mo
Today · 4.125%
HK$109,948
baseline
▲ 0.50% · 4.625%
HK$115,744
+HK$5,796/mo
Deposit HK$2.28M · loan HK$20.56M · min. income ≈ HK$219,896/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$970,896 · Scale 2, in force from 26 Feb 2026)