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$52,112
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$53,733
−HK$1,647/mo
Today · 4.125%
HK$55,380
baseline
▲ 0.50% · 4.625%
HK$58,750
+HK$3,370/mo
Deposit HK$11.43M · loan HK$11.43M · min. income ≈ HK$110,760/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$971,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,974
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$59,529
−HK$1,577/mo
Today · 4.125%
HK$61,106
baseline
▲ 0.50% · 4.625%
HK$64,327
+HK$3,221/mo
Deposit HK$11.43M · loan HK$11.43M · min. income ≈ HK$122,212/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$971,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,534
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$64,480
−HK$1,976/mo
Today · 4.125%
HK$66,456
baseline
▲ 0.50% · 4.625%
HK$70,500
+HK$4,044/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$132,912/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$971,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,569
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$71,435
−HK$1,893/mo
Today · 4.125%
HK$73,328
baseline
▲ 0.50% · 4.625%
HK$77,193
+HK$3,865/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$146,656/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$971,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,957
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$75,226
−HK$2,306/mo
Today · 4.125%
HK$77,532
baseline
▲ 0.50% · 4.625%
HK$82,250
+HK$4,718/mo
Deposit HK$6.86M · loan HK$16.00M · min. income ≈ HK$155,064/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,164
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$83,341
−HK$2,208/mo
Today · 4.125%
HK$85,549
baseline
▲ 0.50% · 4.625%
HK$90,058
+HK$4,509/mo
Deposit HK$6.86M · loan HK$16.00M · min. income ≈ HK$171,098/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,802
−HK$5,882/mo
▼ 0.25% · 3.875%
HK$96,719
−HK$2,965/mo
Today · 4.125%
HK$99,684
baseline
▲ 0.50% · 4.625%
HK$105,749
+HK$6,065/mo
Deposit HK$2.29M · loan HK$20.57M · min. income ≈ HK$199,368/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,353
−HK$5,638/mo
▼ 0.25% · 3.875%
HK$107,152
−HK$2,839/mo
Today · 4.125%
HK$109,991
baseline
▲ 0.50% · 4.625%
HK$115,789
+HK$5,798/mo
Deposit HK$2.29M · loan HK$20.57M · min. income ≈ HK$219,982/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,278 · Scale 2, in force from 26 Feb 2026)