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$52,098
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$53,719
−HK$1,646/mo
Today · 4.125%
HK$55,365
baseline
▲ 0.50% · 4.625%
HK$58,734
+HK$3,369/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$110,730/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$971,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,959
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$59,513
−HK$1,577/mo
Today · 4.125%
HK$61,090
baseline
▲ 0.50% · 4.625%
HK$64,310
+HK$3,220/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$122,180/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$971,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,518
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,463
−HK$1,975/mo
Today · 4.125%
HK$66,438
baseline
▲ 0.50% · 4.625%
HK$70,481
+HK$4,043/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$132,876/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$971,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,551
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,416
−HK$1,892/mo
Today · 4.125%
HK$73,308
baseline
▲ 0.50% · 4.625%
HK$77,172
+HK$3,864/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$146,616/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$971,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,938
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$75,206
−HK$2,305/mo
Today · 4.125%
HK$77,511
baseline
▲ 0.50% · 4.625%
HK$82,228
+HK$4,717/mo
Deposit HK$6.85M · loan HK$15.99M · min. income ≈ HK$155,022/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,142
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$83,318
−HK$2,208/mo
Today · 4.125%
HK$85,526
baseline
▲ 0.50% · 4.625%
HK$90,034
+HK$4,508/mo
Deposit HK$6.85M · loan HK$15.99M · min. income ≈ HK$171,052/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,777
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$96,694
−HK$2,963/mo
Today · 4.125%
HK$99,657
baseline
▲ 0.50% · 4.625%
HK$105,721
+HK$6,064/mo
Deposit HK$2.28M · loan HK$20.56M · min. income ≈ HK$199,314/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,326
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$107,124
−HK$2,838/mo
Today · 4.125%
HK$109,962
baseline
▲ 0.50% · 4.625%
HK$115,758
+HK$5,796/mo
Deposit HK$2.28M · loan HK$20.56M · min. income ≈ HK$219,924/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,021 · Scale 2, in force from 26 Feb 2026)