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$52,085
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$53,705
−HK$1,646/mo
Today · 4.125%
HK$55,351
baseline
▲ 0.50% · 4.625%
HK$58,719
+HK$3,368/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$110,702/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$970,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,944
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$59,498
−HK$1,576/mo
Today · 4.125%
HK$61,074
baseline
▲ 0.50% · 4.625%
HK$64,294
+HK$3,220/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$122,148/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$970,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,502
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$64,446
−HK$1,975/mo
Today · 4.125%
HK$66,421
baseline
▲ 0.50% · 4.625%
HK$70,463
+HK$4,042/mo
Deposit HK$9.14M · loan HK$13.70M · min. income ≈ HK$132,842/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$970,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,532
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,397
−HK$1,892/mo
Today · 4.125%
HK$73,289
baseline
▲ 0.50% · 4.625%
HK$77,152
+HK$3,863/mo
Deposit HK$9.14M · loan HK$13.70M · min. income ≈ HK$146,578/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$970,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,919
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$75,187
−HK$2,304/mo
Today · 4.125%
HK$77,491
baseline
▲ 0.50% · 4.625%
HK$82,206
+HK$4,715/mo
Deposit HK$6.85M · loan HK$15.99M · min. income ≈ HK$154,982/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,121
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$83,297
−HK$2,207/mo
Today · 4.125%
HK$85,504
baseline
▲ 0.50% · 4.625%
HK$90,011
+HK$4,507/mo
Deposit HK$6.85M · loan HK$15.99M · min. income ≈ HK$171,008/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,752
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$96,669
−HK$2,963/mo
Today · 4.125%
HK$99,632
baseline
▲ 0.50% · 4.625%
HK$105,694
+HK$6,062/mo
Deposit HK$2.28M · loan HK$20.56M · min. income ≈ HK$199,264/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$970,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,299
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$107,096
−HK$2,838/mo
Today · 4.125%
HK$109,934
baseline
▲ 0.50% · 4.625%
HK$115,728
+HK$5,794/mo
Deposit HK$2.28M · loan HK$20.56M · min. income ≈ HK$219,868/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$970,769 · Scale 2, in force from 26 Feb 2026)