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$3,265/mo
▼ 0.25% · 3.875%
HK$53,671
−HK$1,645/mo
Today · 4.125%
HK$55,316
baseline
▲ 0.50% · 4.625%
HK$58,681
+HK$3,365/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$110,632/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$970,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,907
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,460
−HK$1,575/mo
Today · 4.125%
HK$61,035
baseline
▲ 0.50% · 4.625%
HK$64,252
+HK$3,217/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$122,070/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$970,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,462
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$64,405
−HK$1,974/mo
Today · 4.125%
HK$66,379
baseline
▲ 0.50% · 4.625%
HK$70,418
+HK$4,039/mo
Deposit HK$9.13M · loan HK$13.70M · min. income ≈ HK$132,758/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$970,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,488
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$71,352
−HK$1,890/mo
Today · 4.125%
HK$73,242
baseline
▲ 0.50% · 4.625%
HK$77,103
+HK$3,861/mo
Deposit HK$9.13M · loan HK$13.70M · min. income ≈ HK$146,484/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$970,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,872
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$75,139
−HK$2,303/mo
Today · 4.125%
HK$77,442
baseline
▲ 0.50% · 4.625%
HK$82,154
+HK$4,712/mo
Deposit HK$6.85M · loan HK$15.98M · min. income ≈ HK$154,884/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,069
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$83,244
−HK$2,205/mo
Today · 4.125%
HK$85,449
baseline
▲ 0.50% · 4.625%
HK$89,953
+HK$4,504/mo
Deposit HK$6.85M · loan HK$15.98M · min. income ≈ HK$170,898/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,693
−HK$5,875/mo
▼ 0.25% · 3.875%
HK$96,607
−HK$2,961/mo
Today · 4.125%
HK$99,568
baseline
▲ 0.50% · 4.625%
HK$105,626
+HK$6,058/mo
Deposit HK$2.28M · loan HK$20.54M · min. income ≈ HK$199,136/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$970,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,232
−HK$5,631/mo
▼ 0.25% · 3.875%
HK$107,027
−HK$2,836/mo
Today · 4.125%
HK$109,863
baseline
▲ 0.50% · 4.625%
HK$115,654
+HK$5,791/mo
Deposit HK$2.28M · loan HK$20.54M · min. income ≈ HK$219,726/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$970,148 · Scale 2, in force from 26 Feb 2026)