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$52,091
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$53,711
−HK$1,646/mo
Today · 4.125%
HK$55,357
baseline
▲ 0.50% · 4.625%
HK$58,726
+HK$3,369/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$110,714/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$970,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,951
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$59,505
−HK$1,576/mo
Today · 4.125%
HK$61,081
baseline
▲ 0.50% · 4.625%
HK$64,301
+HK$3,220/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$122,162/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$970,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,509
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,453
−HK$1,976/mo
Today · 4.125%
HK$66,429
baseline
▲ 0.50% · 4.625%
HK$70,471
+HK$4,042/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$132,858/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$970,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,541
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,406
−HK$1,892/mo
Today · 4.125%
HK$73,298
baseline
▲ 0.50% · 4.625%
HK$77,161
+HK$3,863/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$146,596/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$970,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,927
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$75,196
−HK$2,304/mo
Today · 4.125%
HK$77,500
baseline
▲ 0.50% · 4.625%
HK$82,216
+HK$4,716/mo
Deposit HK$6.85M · loan HK$15.99M · min. income ≈ HK$155,000/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,131
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$83,307
−HK$2,207/mo
Today · 4.125%
HK$85,514
baseline
▲ 0.50% · 4.625%
HK$90,022
+HK$4,508/mo
Deposit HK$6.85M · loan HK$15.99M · min. income ≈ HK$171,028/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,764
−HK$5,879/mo
▼ 0.25% · 3.875%
HK$96,680
−HK$2,963/mo
Today · 4.125%
HK$99,643
baseline
▲ 0.50% · 4.625%
HK$105,706
+HK$6,063/mo
Deposit HK$2.28M · loan HK$20.56M · min. income ≈ HK$199,286/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$970,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,311
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$107,109
−HK$2,838/mo
Today · 4.125%
HK$109,947
baseline
▲ 0.50% · 4.625%
HK$115,742
+HK$5,795/mo
Deposit HK$2.28M · loan HK$20.56M · min. income ≈ HK$219,894/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$970,884 · Scale 2, in force from 26 Feb 2026)