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$52,104
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$53,725
−HK$1,646/mo
Today · 4.125%
HK$55,371
baseline
▲ 0.50% · 4.625%
HK$58,741
+HK$3,370/mo
Deposit HK$11.43M · loan HK$11.43M · min. income ≈ HK$110,742/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$971,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,965
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$59,520
−HK$1,577/mo
Today · 4.125%
HK$61,097
baseline
▲ 0.50% · 4.625%
HK$64,317
+HK$3,220/mo
Deposit HK$11.43M · loan HK$11.43M · min. income ≈ HK$122,194/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$971,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,525
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$64,470
−HK$1,976/mo
Today · 4.125%
HK$66,446
baseline
▲ 0.50% · 4.625%
HK$70,489
+HK$4,043/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$132,892/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$971,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,558
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$71,424
−HK$1,892/mo
Today · 4.125%
HK$73,316
baseline
▲ 0.50% · 4.625%
HK$77,181
+HK$3,865/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$146,632/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$971,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,946
−HK$4,574/mo
▼ 0.25% · 3.875%
HK$75,215
−HK$2,305/mo
Today · 4.125%
HK$77,520
baseline
▲ 0.50% · 4.625%
HK$82,237
+HK$4,717/mo
Deposit HK$6.86M · loan HK$16.00M · min. income ≈ HK$155,040/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,151
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$83,328
−HK$2,208/mo
Today · 4.125%
HK$85,536
baseline
▲ 0.50% · 4.625%
HK$90,044
+HK$4,508/mo
Deposit HK$6.86M · loan HK$16.00M · min. income ≈ HK$171,072/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,787
−HK$5,882/mo
▼ 0.25% · 3.875%
HK$96,705
−HK$2,964/mo
Today · 4.125%
HK$99,669
baseline
▲ 0.50% · 4.625%
HK$105,733
+HK$6,064/mo
Deposit HK$2.29M · loan HK$20.57M · min. income ≈ HK$199,338/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,337
−HK$5,637/mo
▼ 0.25% · 3.875%
HK$107,136
−HK$2,838/mo
Today · 4.125%
HK$109,974
baseline
▲ 0.50% · 4.625%
HK$115,771
+HK$5,797/mo
Deposit HK$2.29M · loan HK$20.57M · min. income ≈ HK$219,948/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,129 · Scale 2, in force from 26 Feb 2026)