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$52,096
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$53,716
−HK$1,646/mo
Today · 4.125%
HK$55,362
baseline
▲ 0.50% · 4.625%
HK$58,731
+HK$3,369/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$110,724/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$970,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,956
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$59,510
−HK$1,577/mo
Today · 4.125%
HK$61,087
baseline
▲ 0.50% · 4.625%
HK$64,307
+HK$3,220/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$122,174/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$970,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,515
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,459
−HK$1,976/mo
Today · 4.125%
HK$66,435
baseline
▲ 0.50% · 4.625%
HK$70,477
+HK$4,042/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$132,870/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$970,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,547
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,412
−HK$1,892/mo
Today · 4.125%
HK$73,304
baseline
▲ 0.50% · 4.625%
HK$77,168
+HK$3,864/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$146,608/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$970,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,934
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$75,202
−HK$2,305/mo
Today · 4.125%
HK$77,507
baseline
▲ 0.50% · 4.625%
HK$82,223
+HK$4,716/mo
Deposit HK$6.85M · loan HK$15.99M · min. income ≈ HK$155,014/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,138
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$83,314
−HK$2,208/mo
Today · 4.125%
HK$85,522
baseline
▲ 0.50% · 4.625%
HK$90,030
+HK$4,508/mo
Deposit HK$6.85M · loan HK$15.99M · min. income ≈ HK$171,044/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,772
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$96,689
−HK$2,963/mo
Today · 4.125%
HK$99,652
baseline
▲ 0.50% · 4.625%
HK$105,716
+HK$6,064/mo
Deposit HK$2.28M · loan HK$20.56M · min. income ≈ HK$199,304/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$970,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,320
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$107,118
−HK$2,838/mo
Today · 4.125%
HK$109,956
baseline
▲ 0.50% · 4.625%
HK$115,752
+HK$5,796/mo
Deposit HK$2.28M · loan HK$20.56M · min. income ≈ HK$219,912/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$970,970 · Scale 2, in force from 26 Feb 2026)