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$52,123
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$53,744
−HK$1,647/mo
Today · 4.125%
HK$55,391
baseline
▲ 0.50% · 4.625%
HK$58,761
+HK$3,370/mo
Deposit HK$11.43M · loan HK$11.43M · min. income ≈ HK$110,782/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$971,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,986
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$59,541
−HK$1,578/mo
Today · 4.125%
HK$61,119
baseline
▲ 0.50% · 4.625%
HK$64,340
+HK$3,221/mo
Deposit HK$11.43M · loan HK$11.43M · min. income ≈ HK$122,238/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$971,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,547
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$64,493
−HK$1,976/mo
Today · 4.125%
HK$66,469
baseline
▲ 0.50% · 4.625%
HK$70,514
+HK$4,045/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$132,938/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$971,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,583
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$71,449
−HK$1,893/mo
Today · 4.125%
HK$73,342
baseline
▲ 0.50% · 4.625%
HK$77,208
+HK$3,866/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$146,684/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$971,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,972
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$75,241
−HK$2,306/mo
Today · 4.125%
HK$77,547
baseline
▲ 0.50% · 4.625%
HK$82,266
+HK$4,719/mo
Deposit HK$6.86M · loan HK$16.00M · min. income ≈ HK$155,094/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,180
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$83,357
−HK$2,209/mo
Today · 4.125%
HK$85,566
baseline
▲ 0.50% · 4.625%
HK$90,076
+HK$4,510/mo
Deposit HK$6.86M · loan HK$16.00M · min. income ≈ HK$171,132/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,821
−HK$5,883/mo
▼ 0.25% · 3.875%
HK$96,739
−HK$2,965/mo
Today · 4.125%
HK$99,704
baseline
▲ 0.50% · 4.625%
HK$105,771
+HK$6,067/mo
Deposit HK$2.29M · loan HK$20.57M · min. income ≈ HK$199,408/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,374
−HK$5,639/mo
▼ 0.25% · 3.875%
HK$107,174
−HK$2,839/mo
Today · 4.125%
HK$110,013
baseline
▲ 0.50% · 4.625%
HK$115,812
+HK$5,799/mo
Deposit HK$2.29M · loan HK$20.57M · min. income ≈ HK$220,026/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,473 · Scale 2, in force from 26 Feb 2026)