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$52,148
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$53,770
−HK$1,648/mo
Today · 4.125%
HK$55,418
baseline
▲ 0.50% · 4.625%
HK$58,790
+HK$3,372/mo
Deposit HK$11.43M · loan HK$11.43M · min. income ≈ HK$110,836/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$971,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,014
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,570
−HK$1,578/mo
Today · 4.125%
HK$61,148
baseline
▲ 0.50% · 4.625%
HK$64,372
+HK$3,224/mo
Deposit HK$11.43M · loan HK$11.43M · min. income ≈ HK$122,296/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$971,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,578
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$64,524
−HK$1,978/mo
Today · 4.125%
HK$66,502
baseline
▲ 0.50% · 4.625%
HK$70,548
+HK$4,046/mo
Deposit HK$9.15M · loan HK$13.72M · min. income ≈ HK$133,004/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$971,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,617
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$71,484
−HK$1,894/mo
Today · 4.125%
HK$73,378
baseline
▲ 0.50% · 4.625%
HK$77,246
+HK$3,868/mo
Deposit HK$9.15M · loan HK$13.72M · min. income ≈ HK$146,756/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$971,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,007
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$75,278
−HK$2,307/mo
Today · 4.125%
HK$77,585
baseline
▲ 0.50% · 4.625%
HK$82,306
+HK$4,721/mo
Deposit HK$6.86M · loan HK$16.01M · min. income ≈ HK$155,170/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,220
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$83,398
−HK$2,210/mo
Today · 4.125%
HK$85,608
baseline
▲ 0.50% · 4.625%
HK$90,120
+HK$4,512/mo
Deposit HK$6.86M · loan HK$16.01M · min. income ≈ HK$171,216/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,866
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$96,786
−HK$2,967/mo
Today · 4.125%
HK$99,753
baseline
▲ 0.50% · 4.625%
HK$105,822
+HK$6,069/mo
Deposit HK$2.29M · loan HK$20.58M · min. income ≈ HK$199,506/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,425
−HK$5,642/mo
▼ 0.25% · 3.875%
HK$107,226
−HK$2,841/mo
Today · 4.125%
HK$110,067
baseline
▲ 0.50% · 4.625%
HK$115,869
+HK$5,802/mo
Deposit HK$2.29M · loan HK$20.58M · min. income ≈ HK$220,134/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,948 · Scale 2, in force from 26 Feb 2026)