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$52,044
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$53,663
−HK$1,645/mo
Today · 4.125%
HK$55,308
baseline
▲ 0.50% · 4.625%
HK$58,673
+HK$3,365/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$110,616/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$970,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,898
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$59,451
−HK$1,576/mo
Today · 4.125%
HK$61,027
baseline
▲ 0.50% · 4.625%
HK$64,243
+HK$3,216/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$122,054/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$970,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,453
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$64,395
−HK$1,974/mo
Today · 4.125%
HK$66,369
baseline
▲ 0.50% · 4.625%
HK$70,408
+HK$4,039/mo
Deposit HK$9.13M · loan HK$13.69M · min. income ≈ HK$132,738/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$970,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,478
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$71,342
−HK$1,890/mo
Today · 4.125%
HK$73,232
baseline
▲ 0.50% · 4.625%
HK$77,092
+HK$3,860/mo
Deposit HK$9.13M · loan HK$13.69M · min. income ≈ HK$146,464/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$970,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,862
−HK$4,569/mo
▼ 0.25% · 3.875%
HK$75,128
−HK$2,303/mo
Today · 4.125%
HK$77,431
baseline
▲ 0.50% · 4.625%
HK$82,142
+HK$4,711/mo
Deposit HK$6.85M · loan HK$15.98M · min. income ≈ HK$154,862/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,058
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$83,232
−HK$2,205/mo
Today · 4.125%
HK$85,437
baseline
▲ 0.50% · 4.625%
HK$89,941
+HK$4,504/mo
Deposit HK$6.85M · loan HK$15.98M · min. income ≈ HK$170,874/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,679
−HK$5,875/mo
▼ 0.25% · 3.875%
HK$96,593
−HK$2,961/mo
Today · 4.125%
HK$99,554
baseline
▲ 0.50% · 4.625%
HK$105,611
+HK$6,057/mo
Deposit HK$2.28M · loan HK$20.54M · min. income ≈ HK$199,108/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$970,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,217
−HK$5,631/mo
▼ 0.25% · 3.875%
HK$107,012
−HK$2,836/mo
Today · 4.125%
HK$109,848
baseline
▲ 0.50% · 4.625%
HK$115,638
+HK$5,790/mo
Deposit HK$2.28M · loan HK$20.54M · min. income ≈ HK$219,696/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$970,011 · Scale 2, in force from 26 Feb 2026)