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$52,150
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$53,773
−HK$1,648/mo
Today · 4.125%
HK$55,421
baseline
▲ 0.50% · 4.625%
HK$58,793
+HK$3,372/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$110,842/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$971,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,017
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,573
−HK$1,578/mo
Today · 4.125%
HK$61,151
baseline
▲ 0.50% · 4.625%
HK$64,375
+HK$3,224/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$122,302/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$971,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,580
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$64,527
−HK$1,978/mo
Today · 4.125%
HK$66,505
baseline
▲ 0.50% · 4.625%
HK$70,551
+HK$4,046/mo
Deposit HK$9.15M · loan HK$13.72M · min. income ≈ HK$133,010/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$971,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,620
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$71,487
−HK$1,894/mo
Today · 4.125%
HK$73,381
baseline
▲ 0.50% · 4.625%
HK$77,250
+HK$3,869/mo
Deposit HK$9.15M · loan HK$13.72M · min. income ≈ HK$146,762/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$971,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,011
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$75,282
−HK$2,307/mo
Today · 4.125%
HK$77,589
baseline
▲ 0.50% · 4.625%
HK$82,310
+HK$4,721/mo
Deposit HK$6.86M · loan HK$16.01M · min. income ≈ HK$155,178/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,223
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$83,402
−HK$2,210/mo
Today · 4.125%
HK$85,612
baseline
▲ 0.50% · 4.625%
HK$90,124
+HK$4,512/mo
Deposit HK$6.86M · loan HK$16.01M · min. income ≈ HK$171,224/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,871
−HK$5,886/mo
▼ 0.25% · 3.875%
HK$96,791
−HK$2,966/mo
Today · 4.125%
HK$99,757
baseline
▲ 0.50% · 4.625%
HK$105,827
+HK$6,070/mo
Deposit HK$2.29M · loan HK$20.58M · min. income ≈ HK$199,514/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,430
−HK$5,642/mo
▼ 0.25% · 3.875%
HK$107,231
−HK$2,841/mo
Today · 4.125%
HK$110,072
baseline
▲ 0.50% · 4.625%
HK$115,874
+HK$5,802/mo
Deposit HK$2.29M · loan HK$20.58M · min. income ≈ HK$220,144/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,993 · Scale 2, in force from 26 Feb 2026)