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$52,071
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,690
−HK$1,646/mo
Today · 4.125%
HK$55,336
baseline
▲ 0.50% · 4.625%
HK$58,703
+HK$3,367/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$110,672/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$970,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,928
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$59,482
−HK$1,576/mo
Today · 4.125%
HK$61,058
baseline
▲ 0.50% · 4.625%
HK$64,276
+HK$3,218/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$122,116/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$970,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,485
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$64,428
−HK$1,975/mo
Today · 4.125%
HK$66,403
baseline
▲ 0.50% · 4.625%
HK$70,444
+HK$4,041/mo
Deposit HK$9.13M · loan HK$13.70M · min. income ≈ HK$132,806/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$970,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,514
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$71,378
−HK$1,891/mo
Today · 4.125%
HK$73,269
baseline
▲ 0.50% · 4.625%
HK$77,131
+HK$3,862/mo
Deposit HK$9.13M · loan HK$13.70M · min. income ≈ HK$146,538/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$970,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,899
−HK$4,571/mo
▼ 0.25% · 3.875%
HK$75,167
−HK$2,303/mo
Today · 4.125%
HK$77,470
baseline
▲ 0.50% · 4.625%
HK$82,184
+HK$4,714/mo
Deposit HK$6.85M · loan HK$15.98M · min. income ≈ HK$154,940/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,099
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$83,274
−HK$2,207/mo
Today · 4.125%
HK$85,481
baseline
▲ 0.50% · 4.625%
HK$89,987
+HK$4,506/mo
Deposit HK$6.85M · loan HK$15.98M · min. income ≈ HK$170,962/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,727
−HK$5,878/mo
▼ 0.25% · 3.875%
HK$96,643
−HK$2,962/mo
Today · 4.125%
HK$99,605
baseline
▲ 0.50% · 4.625%
HK$105,665
+HK$6,060/mo
Deposit HK$2.28M · loan HK$20.55M · min. income ≈ HK$199,210/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$970,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,271
−HK$5,633/mo
▼ 0.25% · 3.875%
HK$107,067
−HK$2,837/mo
Today · 4.125%
HK$109,904
baseline
▲ 0.50% · 4.625%
HK$115,697
+HK$5,793/mo
Deposit HK$2.28M · loan HK$20.55M · min. income ≈ HK$219,808/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$970,507 · Scale 2, in force from 26 Feb 2026)