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$52,135
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$53,757
−HK$1,648/mo
Today · 4.125%
HK$55,405
baseline
▲ 0.50% · 4.625%
HK$58,776
+HK$3,371/mo
Deposit HK$11.43M · loan HK$11.43M · min. income ≈ HK$110,810/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$971,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,000
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,556
−HK$1,578/mo
Today · 4.125%
HK$61,134
baseline
▲ 0.50% · 4.625%
HK$64,356
+HK$3,222/mo
Deposit HK$11.43M · loan HK$11.43M · min. income ≈ HK$122,268/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$971,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,562
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$64,508
−HK$1,978/mo
Today · 4.125%
HK$66,486
baseline
▲ 0.50% · 4.625%
HK$70,531
+HK$4,045/mo
Deposit HK$9.15M · loan HK$13.72M · min. income ≈ HK$132,972/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$971,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,600
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$71,467
−HK$1,893/mo
Today · 4.125%
HK$73,360
baseline
▲ 0.50% · 4.625%
HK$77,227
+HK$3,867/mo
Deposit HK$9.15M · loan HK$13.72M · min. income ≈ HK$146,720/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$971,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,989
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$75,260
−HK$2,307/mo
Today · 4.125%
HK$77,567
baseline
▲ 0.50% · 4.625%
HK$82,286
+HK$4,719/mo
Deposit HK$6.86M · loan HK$16.00M · min. income ≈ HK$155,134/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,200
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$83,378
−HK$2,209/mo
Today · 4.125%
HK$85,587
baseline
▲ 0.50% · 4.625%
HK$90,098
+HK$4,511/mo
Deposit HK$6.86M · loan HK$16.00M · min. income ≈ HK$171,174/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,844
−HK$5,884/mo
▼ 0.25% · 3.875%
HK$96,763
−HK$2,965/mo
Today · 4.125%
HK$99,728
baseline
▲ 0.50% · 4.625%
HK$105,797
+HK$6,069/mo
Deposit HK$2.29M · loan HK$20.58M · min. income ≈ HK$199,456/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,400
−HK$5,640/mo
▼ 0.25% · 3.875%
HK$107,200
−HK$2,840/mo
Today · 4.125%
HK$110,040
baseline
▲ 0.50% · 4.625%
HK$115,841
+HK$5,801/mo
Deposit HK$2.29M · loan HK$20.58M · min. income ≈ HK$220,080/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,712 · Scale 2, in force from 26 Feb 2026)