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$52,174
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$53,797
−HK$1,648/mo
Today · 4.125%
HK$55,445
baseline
▲ 0.50% · 4.625%
HK$58,819
+HK$3,374/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$110,890/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$972,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,043
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$59,599
−HK$1,579/mo
Today · 4.125%
HK$61,178
baseline
▲ 0.50% · 4.625%
HK$64,403
+HK$3,225/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$122,356/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$972,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,608
−HK$3,926/mo
▼ 0.25% · 3.875%
HK$64,556
−HK$1,978/mo
Today · 4.125%
HK$66,534
baseline
▲ 0.50% · 4.625%
HK$70,583
+HK$4,049/mo
Deposit HK$9.15M · loan HK$13.73M · min. income ≈ HK$133,068/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$972,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,651
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$71,519
−HK$1,895/mo
Today · 4.125%
HK$73,414
baseline
▲ 0.50% · 4.625%
HK$77,284
+HK$3,870/mo
Deposit HK$9.15M · loan HK$13.73M · min. income ≈ HK$146,828/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$972,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,043
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$75,315
−HK$2,309/mo
Today · 4.125%
HK$77,624
baseline
▲ 0.50% · 4.625%
HK$82,347
+HK$4,723/mo
Deposit HK$6.86M · loan HK$16.02M · min. income ≈ HK$155,248/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$972,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,260
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$83,439
−HK$2,211/mo
Today · 4.125%
HK$85,650
baseline
▲ 0.50% · 4.625%
HK$90,165
+HK$4,515/mo
Deposit HK$6.86M · loan HK$16.02M · min. income ≈ HK$171,300/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$972,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,913
−HK$5,889/mo
▼ 0.25% · 3.875%
HK$96,834
−HK$2,968/mo
Today · 4.125%
HK$99,802
baseline
▲ 0.50% · 4.625%
HK$105,874
+HK$6,072/mo
Deposit HK$2.29M · loan HK$20.59M · min. income ≈ HK$199,604/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,477
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$107,279
−HK$2,842/mo
Today · 4.125%
HK$110,121
baseline
▲ 0.50% · 4.625%
HK$115,926
+HK$5,805/mo
Deposit HK$2.29M · loan HK$20.59M · min. income ≈ HK$220,242/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,426 · Scale 2, in force from 26 Feb 2026)