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$52,064
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,683
−HK$1,646/mo
Today · 4.125%
HK$55,329
baseline
▲ 0.50% · 4.625%
HK$58,695
+HK$3,366/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$110,658/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$970,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,920
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$59,474
−HK$1,576/mo
Today · 4.125%
HK$61,050
baseline
▲ 0.50% · 4.625%
HK$64,268
+HK$3,218/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$122,100/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$970,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,477
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$64,420
−HK$1,974/mo
Today · 4.125%
HK$66,394
baseline
▲ 0.50% · 4.625%
HK$70,434
+HK$4,040/mo
Deposit HK$9.13M · loan HK$13.70M · min. income ≈ HK$132,788/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$970,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,505
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$71,369
−HK$1,891/mo
Today · 4.125%
HK$73,260
baseline
▲ 0.50% · 4.625%
HK$77,121
+HK$3,861/mo
Deposit HK$9.13M · loan HK$13.70M · min. income ≈ HK$146,520/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$970,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,889
−HK$4,571/mo
▼ 0.25% · 3.875%
HK$75,157
−HK$2,303/mo
Today · 4.125%
HK$77,460
baseline
▲ 0.50% · 4.625%
HK$82,173
+HK$4,713/mo
Deposit HK$6.85M · loan HK$15.98M · min. income ≈ HK$154,920/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,089
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$83,263
−HK$2,207/mo
Today · 4.125%
HK$85,470
baseline
▲ 0.50% · 4.625%
HK$89,975
+HK$4,505/mo
Deposit HK$6.85M · loan HK$15.98M · min. income ≈ HK$170,940/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,715
−HK$5,877/mo
▼ 0.25% · 3.875%
HK$96,630
−HK$2,962/mo
Today · 4.125%
HK$99,592
baseline
▲ 0.50% · 4.625%
HK$105,652
+HK$6,060/mo
Deposit HK$2.28M · loan HK$20.55M · min. income ≈ HK$199,184/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$970,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,257
−HK$5,633/mo
▼ 0.25% · 3.875%
HK$107,053
−HK$2,837/mo
Today · 4.125%
HK$109,890
baseline
▲ 0.50% · 4.625%
HK$115,682
+HK$5,792/mo
Deposit HK$2.28M · loan HK$20.55M · min. income ≈ HK$219,780/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$970,379 · Scale 2, in force from 26 Feb 2026)