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$52,124
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$53,745
−HK$1,647/mo
Today · 4.125%
HK$55,392
baseline
▲ 0.50% · 4.625%
HK$58,763
+HK$3,371/mo
Deposit HK$11.43M · loan HK$11.43M · min. income ≈ HK$110,784/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$971,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,987
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$59,542
−HK$1,578/mo
Today · 4.125%
HK$61,120
baseline
▲ 0.50% · 4.625%
HK$64,342
+HK$3,222/mo
Deposit HK$11.43M · loan HK$11.43M · min. income ≈ HK$122,240/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$971,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,548
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$64,494
−HK$1,977/mo
Today · 4.125%
HK$66,471
baseline
▲ 0.50% · 4.625%
HK$70,515
+HK$4,044/mo
Deposit HK$9.14M · loan HK$13.72M · min. income ≈ HK$132,942/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$971,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,584
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$71,451
−HK$1,893/mo
Today · 4.125%
HK$73,344
baseline
▲ 0.50% · 4.625%
HK$77,210
+HK$3,866/mo
Deposit HK$9.14M · loan HK$13.72M · min. income ≈ HK$146,688/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$971,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,973
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$75,243
−HK$2,306/mo
Today · 4.125%
HK$77,549
baseline
▲ 0.50% · 4.625%
HK$82,268
+HK$4,719/mo
Deposit HK$6.86M · loan HK$16.00M · min. income ≈ HK$155,098/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,182
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$83,359
−HK$2,209/mo
Today · 4.125%
HK$85,568
baseline
▲ 0.50% · 4.625%
HK$90,078
+HK$4,510/mo
Deposit HK$6.86M · loan HK$16.00M · min. income ≈ HK$171,136/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,822
−HK$5,884/mo
▼ 0.25% · 3.875%
HK$96,741
−HK$2,965/mo
Today · 4.125%
HK$99,706
baseline
▲ 0.50% · 4.625%
HK$105,773
+HK$6,067/mo
Deposit HK$2.29M · loan HK$20.57M · min. income ≈ HK$199,412/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,377
−HK$5,639/mo
▼ 0.25% · 3.875%
HK$107,176
−HK$2,840/mo
Today · 4.125%
HK$110,016
baseline
▲ 0.50% · 4.625%
HK$115,815
+HK$5,799/mo
Deposit HK$2.29M · loan HK$20.57M · min. income ≈ HK$220,032/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,493 · Scale 2, in force from 26 Feb 2026)