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$52,084
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$53,704
−HK$1,646/mo
Today · 4.125%
HK$55,350
baseline
▲ 0.50% · 4.625%
HK$58,718
+HK$3,368/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$110,700/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$970,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,943
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$59,497
−HK$1,576/mo
Today · 4.125%
HK$61,073
baseline
▲ 0.50% · 4.625%
HK$64,292
+HK$3,219/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$122,146/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$970,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,500
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,444
−HK$1,976/mo
Today · 4.125%
HK$66,420
baseline
▲ 0.50% · 4.625%
HK$70,461
+HK$4,041/mo
Deposit HK$9.14M · loan HK$13.70M · min. income ≈ HK$132,840/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$970,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,531
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,396
−HK$1,892/mo
Today · 4.125%
HK$73,288
baseline
▲ 0.50% · 4.625%
HK$77,151
+HK$3,863/mo
Deposit HK$9.14M · loan HK$13.70M · min. income ≈ HK$146,576/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$970,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,917
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$75,185
−HK$2,305/mo
Today · 4.125%
HK$77,490
baseline
▲ 0.50% · 4.625%
HK$82,205
+HK$4,715/mo
Deposit HK$6.85M · loan HK$15.99M · min. income ≈ HK$154,980/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,120
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$83,295
−HK$2,207/mo
Today · 4.125%
HK$85,502
baseline
▲ 0.50% · 4.625%
HK$90,009
+HK$4,507/mo
Deposit HK$6.85M · loan HK$15.99M · min. income ≈ HK$171,004/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,751
−HK$5,879/mo
▼ 0.25% · 3.875%
HK$96,667
−HK$2,963/mo
Today · 4.125%
HK$99,630
baseline
▲ 0.50% · 4.625%
HK$105,692
+HK$6,062/mo
Deposit HK$2.28M · loan HK$20.56M · min. income ≈ HK$199,260/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$970,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,297
−HK$5,634/mo
▼ 0.25% · 3.875%
HK$107,094
−HK$2,837/mo
Today · 4.125%
HK$109,931
baseline
▲ 0.50% · 4.625%
HK$115,726
+HK$5,795/mo
Deposit HK$2.28M · loan HK$20.56M · min. income ≈ HK$219,862/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$970,749 · Scale 2, in force from 26 Feb 2026)