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$52,105
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$53,726
−HK$1,646/mo
Today · 4.125%
HK$55,372
baseline
▲ 0.50% · 4.625%
HK$58,742
+HK$3,370/mo
Deposit HK$11.43M · loan HK$11.43M · min. income ≈ HK$110,744/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$971,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,966
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$59,521
−HK$1,577/mo
Today · 4.125%
HK$61,098
baseline
▲ 0.50% · 4.625%
HK$64,318
+HK$3,220/mo
Deposit HK$11.43M · loan HK$11.43M · min. income ≈ HK$122,196/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$971,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,526
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$64,471
−HK$1,976/mo
Today · 4.125%
HK$66,447
baseline
▲ 0.50% · 4.625%
HK$70,490
+HK$4,043/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$132,894/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$971,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,559
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$71,425
−HK$1,892/mo
Today · 4.125%
HK$73,317
baseline
▲ 0.50% · 4.625%
HK$77,182
+HK$3,865/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$146,634/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$971,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,947
−HK$4,574/mo
▼ 0.25% · 3.875%
HK$75,216
−HK$2,305/mo
Today · 4.125%
HK$77,521
baseline
▲ 0.50% · 4.625%
HK$82,238
+HK$4,717/mo
Deposit HK$6.86M · loan HK$16.00M · min. income ≈ HK$155,042/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,153
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$83,329
−HK$2,208/mo
Today · 4.125%
HK$85,537
baseline
▲ 0.50% · 4.625%
HK$90,046
+HK$4,509/mo
Deposit HK$6.86M · loan HK$16.00M · min. income ≈ HK$171,074/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,789
−HK$5,881/mo
▼ 0.25% · 3.875%
HK$96,706
−HK$2,964/mo
Today · 4.125%
HK$99,670
baseline
▲ 0.50% · 4.625%
HK$105,735
+HK$6,065/mo
Deposit HK$2.29M · loan HK$20.57M · min. income ≈ HK$199,340/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,339
−HK$5,637/mo
▼ 0.25% · 3.875%
HK$107,137
−HK$2,839/mo
Today · 4.125%
HK$109,976
baseline
▲ 0.50% · 4.625%
HK$115,773
+HK$5,797/mo
Deposit HK$2.29M · loan HK$20.57M · min. income ≈ HK$219,952/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,144 · Scale 2, in force from 26 Feb 2026)