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$52,055
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$53,674
−HK$1,645/mo
Today · 4.125%
HK$55,319
baseline
▲ 0.50% · 4.625%
HK$58,686
+HK$3,367/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$110,638/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$970,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,911
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$59,464
−HK$1,576/mo
Today · 4.125%
HK$61,040
baseline
▲ 0.50% · 4.625%
HK$64,257
+HK$3,217/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$122,080/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$970,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,466
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$64,409
−HK$1,974/mo
Today · 4.125%
HK$66,383
baseline
▲ 0.50% · 4.625%
HK$70,423
+HK$4,040/mo
Deposit HK$9.13M · loan HK$13.70M · min. income ≈ HK$132,766/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$970,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,493
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$71,357
−HK$1,890/mo
Today · 4.125%
HK$73,247
baseline
▲ 0.50% · 4.625%
HK$77,108
+HK$3,861/mo
Deposit HK$9.13M · loan HK$13.70M · min. income ≈ HK$146,494/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$970,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,877
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$75,144
−HK$2,303/mo
Today · 4.125%
HK$77,447
baseline
▲ 0.50% · 4.625%
HK$82,160
+HK$4,713/mo
Deposit HK$6.85M · loan HK$15.98M · min. income ≈ HK$154,894/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,075
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$83,250
−HK$2,205/mo
Today · 4.125%
HK$85,455
baseline
▲ 0.50% · 4.625%
HK$89,960
+HK$4,505/mo
Deposit HK$6.85M · loan HK$15.98M · min. income ≈ HK$170,910/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,699
−HK$5,876/mo
▼ 0.25% · 3.875%
HK$96,614
−HK$2,961/mo
Today · 4.125%
HK$99,575
baseline
▲ 0.50% · 4.625%
HK$105,634
+HK$6,059/mo
Deposit HK$2.28M · loan HK$20.55M · min. income ≈ HK$199,150/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$970,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,239
−HK$5,632/mo
▼ 0.25% · 3.875%
HK$107,035
−HK$2,836/mo
Today · 4.125%
HK$109,871
baseline
▲ 0.50% · 4.625%
HK$115,663
+HK$5,792/mo
Deposit HK$2.28M · loan HK$20.55M · min. income ≈ HK$219,742/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$970,217 · Scale 2, in force from 26 Feb 2026)