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$52,060
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,679
−HK$1,646/mo
Today · 4.125%
HK$55,325
baseline
▲ 0.50% · 4.625%
HK$58,691
+HK$3,366/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$110,650/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$970,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,916
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$59,470
−HK$1,575/mo
Today · 4.125%
HK$61,045
baseline
▲ 0.50% · 4.625%
HK$64,263
+HK$3,218/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$122,090/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$970,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,472
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$64,415
−HK$1,975/mo
Today · 4.125%
HK$66,390
baseline
▲ 0.50% · 4.625%
HK$70,429
+HK$4,039/mo
Deposit HK$9.13M · loan HK$13.70M · min. income ≈ HK$132,780/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$970,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,500
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$71,363
−HK$1,891/mo
Today · 4.125%
HK$73,254
baseline
▲ 0.50% · 4.625%
HK$77,116
+HK$3,862/mo
Deposit HK$9.13M · loan HK$13.70M · min. income ≈ HK$146,508/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$970,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,884
−HK$4,571/mo
▼ 0.25% · 3.875%
HK$75,151
−HK$2,304/mo
Today · 4.125%
HK$77,455
baseline
▲ 0.50% · 4.625%
HK$82,167
+HK$4,712/mo
Deposit HK$6.85M · loan HK$15.98M · min. income ≈ HK$154,910/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,083
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$83,257
−HK$2,206/mo
Today · 4.125%
HK$85,463
baseline
▲ 0.50% · 4.625%
HK$89,968
+HK$4,505/mo
Deposit HK$6.85M · loan HK$15.98M · min. income ≈ HK$170,926/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,708
−HK$5,876/mo
▼ 0.25% · 3.875%
HK$96,623
−HK$2,961/mo
Today · 4.125%
HK$99,584
baseline
▲ 0.50% · 4.625%
HK$105,644
+HK$6,060/mo
Deposit HK$2.28M · loan HK$20.55M · min. income ≈ HK$199,168/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$970,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,249
−HK$5,633/mo
▼ 0.25% · 3.875%
HK$107,045
−HK$2,837/mo
Today · 4.125%
HK$109,882
baseline
▲ 0.50% · 4.625%
HK$115,674
+HK$5,792/mo
Deposit HK$2.28M · loan HK$20.55M · min. income ≈ HK$219,764/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$970,309 · Scale 2, in force from 26 Feb 2026)