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$52,102
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$53,723
−HK$1,647/mo
Today · 4.125%
HK$55,370
baseline
▲ 0.50% · 4.625%
HK$58,739
+HK$3,369/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$110,740/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$971,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,963
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$59,518
−HK$1,577/mo
Today · 4.125%
HK$61,095
baseline
▲ 0.50% · 4.625%
HK$64,315
+HK$3,220/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$122,190/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$971,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,523
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$64,468
−HK$1,976/mo
Today · 4.125%
HK$66,444
baseline
▲ 0.50% · 4.625%
HK$70,487
+HK$4,043/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$132,888/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$971,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,556
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$71,422
−HK$1,892/mo
Today · 4.125%
HK$73,314
baseline
▲ 0.50% · 4.625%
HK$77,179
+HK$3,865/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$146,628/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$971,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,943
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$75,212
−HK$2,306/mo
Today · 4.125%
HK$77,518
baseline
▲ 0.50% · 4.625%
HK$82,234
+HK$4,716/mo
Deposit HK$6.85M · loan HK$15.99M · min. income ≈ HK$155,036/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,149
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$83,325
−HK$2,208/mo
Today · 4.125%
HK$85,533
baseline
▲ 0.50% · 4.625%
HK$90,042
+HK$4,509/mo
Deposit HK$6.85M · loan HK$15.99M · min. income ≈ HK$171,066/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,784
−HK$5,882/mo
▼ 0.25% · 3.875%
HK$96,702
−HK$2,964/mo
Today · 4.125%
HK$99,666
baseline
▲ 0.50% · 4.625%
HK$105,730
+HK$6,064/mo
Deposit HK$2.28M · loan HK$20.56M · min. income ≈ HK$199,332/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,334
−HK$5,637/mo
▼ 0.25% · 3.875%
HK$107,132
−HK$2,839/mo
Today · 4.125%
HK$109,971
baseline
▲ 0.50% · 4.625%
HK$115,768
+HK$5,797/mo
Deposit HK$2.28M · loan HK$20.56M · min. income ≈ HK$219,942/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,100 · Scale 2, in force from 26 Feb 2026)