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$52,098
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$53,718
−HK$1,647/mo
Today · 4.125%
HK$55,365
baseline
▲ 0.50% · 4.625%
HK$58,733
+HK$3,368/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$110,730/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$971,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,958
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$59,512
−HK$1,577/mo
Today · 4.125%
HK$61,089
baseline
▲ 0.50% · 4.625%
HK$64,309
+HK$3,220/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$122,178/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$971,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,517
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,462
−HK$1,975/mo
Today · 4.125%
HK$66,437
baseline
▲ 0.50% · 4.625%
HK$70,480
+HK$4,043/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$132,874/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$971,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,550
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,415
−HK$1,892/mo
Today · 4.125%
HK$73,307
baseline
▲ 0.50% · 4.625%
HK$77,171
+HK$3,864/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$146,614/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$971,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,937
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$75,205
−HK$2,305/mo
Today · 4.125%
HK$77,510
baseline
▲ 0.50% · 4.625%
HK$82,227
+HK$4,717/mo
Deposit HK$6.85M · loan HK$15.99M · min. income ≈ HK$155,020/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,141
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$83,317
−HK$2,208/mo
Today · 4.125%
HK$85,525
baseline
▲ 0.50% · 4.625%
HK$90,033
+HK$4,508/mo
Deposit HK$6.85M · loan HK$15.99M · min. income ≈ HK$171,050/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,776
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$96,693
−HK$2,963/mo
Today · 4.125%
HK$99,656
baseline
▲ 0.50% · 4.625%
HK$105,720
+HK$6,064/mo
Deposit HK$2.28M · loan HK$20.56M · min. income ≈ HK$199,312/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,324
−HK$5,637/mo
▼ 0.25% · 3.875%
HK$107,122
−HK$2,839/mo
Today · 4.125%
HK$109,961
baseline
▲ 0.50% · 4.625%
HK$115,757
+HK$5,796/mo
Deposit HK$2.28M · loan HK$20.56M · min. income ≈ HK$219,922/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,008 · Scale 2, in force from 26 Feb 2026)