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$52,102
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$53,722
−HK$1,647/mo
Today · 4.125%
HK$55,369
baseline
▲ 0.50% · 4.625%
HK$58,738
+HK$3,369/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$110,738/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$971,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,962
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$59,517
−HK$1,577/mo
Today · 4.125%
HK$61,094
baseline
▲ 0.50% · 4.625%
HK$64,314
+HK$3,220/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$122,188/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$971,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,522
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,467
−HK$1,975/mo
Today · 4.125%
HK$66,442
baseline
▲ 0.50% · 4.625%
HK$70,485
+HK$4,043/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$132,884/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$971,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,555
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$71,420
−HK$1,893/mo
Today · 4.125%
HK$73,313
baseline
▲ 0.50% · 4.625%
HK$77,177
+HK$3,864/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$146,626/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$971,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,942
−HK$4,574/mo
▼ 0.25% · 3.875%
HK$75,211
−HK$2,305/mo
Today · 4.125%
HK$77,516
baseline
▲ 0.50% · 4.625%
HK$82,233
+HK$4,717/mo
Deposit HK$6.85M · loan HK$15.99M · min. income ≈ HK$155,032/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,147
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$83,324
−HK$2,207/mo
Today · 4.125%
HK$85,531
baseline
▲ 0.50% · 4.625%
HK$90,040
+HK$4,509/mo
Deposit HK$6.85M · loan HK$15.99M · min. income ≈ HK$171,062/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,783
−HK$5,881/mo
▼ 0.25% · 3.875%
HK$96,700
−HK$2,964/mo
Today · 4.125%
HK$99,664
baseline
▲ 0.50% · 4.625%
HK$105,728
+HK$6,064/mo
Deposit HK$2.28M · loan HK$20.56M · min. income ≈ HK$199,328/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,332
−HK$5,637/mo
▼ 0.25% · 3.875%
HK$107,130
−HK$2,839/mo
Today · 4.125%
HK$109,969
baseline
▲ 0.50% · 4.625%
HK$115,766
+HK$5,797/mo
Deposit HK$2.28M · loan HK$20.56M · min. income ≈ HK$219,938/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,082 · Scale 2, in force from 26 Feb 2026)