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$52,095
−HK$3,267/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$970,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,955
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$59,510
−HK$1,576/mo
Today · 4.125%
HK$61,086
baseline
▲ 0.50% · 4.625%
HK$64,306
+HK$3,220/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$122,172/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$970,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,514
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,459
−HK$1,975/mo
Today · 4.125%
HK$66,434
baseline
▲ 0.50% · 4.625%
HK$70,477
+HK$4,043/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$132,868/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$970,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,546
−HK$3,758/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$970,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,933
−HK$4,574/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$970,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,137
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$83,313
−HK$2,208/mo
Today · 4.125%
HK$85,521
baseline
▲ 0.50% · 4.625%
HK$90,029
+HK$4,508/mo
Deposit HK$6.85M · loan HK$15.99M · min. income ≈ HK$171,042/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,771
−HK$5,881/mo
▼ 0.25% · 3.875%
HK$96,688
−HK$2,964/mo
Today · 4.125%
HK$99,652
baseline
▲ 0.50% · 4.625%
HK$105,715
+HK$6,063/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$970,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,320
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$107,117
−HK$2,839/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$970,963 · Scale 2, in force from 26 Feb 2026)