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$52,094
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$53,714
−HK$1,647/mo
Today · 4.125%
HK$55,361
baseline
▲ 0.50% · 4.625%
HK$58,729
+HK$3,368/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$110,722/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$970,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,954
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$59,508
−HK$1,577/mo
Today · 4.125%
HK$61,085
baseline
▲ 0.50% · 4.625%
HK$64,305
+HK$3,220/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$122,170/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$970,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,513
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,457
−HK$1,976/mo
Today · 4.125%
HK$66,433
baseline
▲ 0.50% · 4.625%
HK$70,475
+HK$4,042/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$132,866/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$970,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,545
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,410
−HK$1,892/mo
Today · 4.125%
HK$73,302
baseline
▲ 0.50% · 4.625%
HK$77,166
+HK$3,864/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$146,604/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$970,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,931
−HK$4,574/mo
▼ 0.25% · 3.875%
HK$75,200
−HK$2,305/mo
Today · 4.125%
HK$77,505
baseline
▲ 0.50% · 4.625%
HK$82,221
+HK$4,716/mo
Deposit HK$6.85M · loan HK$15.99M · min. income ≈ HK$155,010/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,135
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$83,311
−HK$2,208/mo
Today · 4.125%
HK$85,519
baseline
▲ 0.50% · 4.625%
HK$90,027
+HK$4,508/mo
Deposit HK$6.85M · loan HK$15.99M · min. income ≈ HK$171,038/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,769
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$96,686
−HK$2,963/mo
Today · 4.125%
HK$99,649
baseline
▲ 0.50% · 4.625%
HK$105,712
+HK$6,063/mo
Deposit HK$2.28M · loan HK$20.56M · min. income ≈ HK$199,298/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$970,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,317
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$107,115
−HK$2,838/mo
Today · 4.125%
HK$109,953
baseline
▲ 0.50% · 4.625%
HK$115,749
+HK$5,796/mo
Deposit HK$2.28M · loan HK$20.56M · min. income ≈ HK$219,906/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$970,939 · Scale 2, in force from 26 Feb 2026)