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$52,125
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$53,746
−HK$1,648/mo
Today · 4.125%
HK$55,394
baseline
▲ 0.50% · 4.625%
HK$58,764
+HK$3,370/mo
Deposit HK$11.43M · loan HK$11.43M · min. income ≈ HK$110,788/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$971,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,989
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$59,544
−HK$1,578/mo
Today · 4.125%
HK$61,122
baseline
▲ 0.50% · 4.625%
HK$64,343
+HK$3,221/mo
Deposit HK$11.43M · loan HK$11.43M · min. income ≈ HK$122,244/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$971,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,550
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$64,496
−HK$1,977/mo
Today · 4.125%
HK$66,473
baseline
▲ 0.50% · 4.625%
HK$70,517
+HK$4,044/mo
Deposit HK$9.14M · loan HK$13.72M · min. income ≈ HK$132,946/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$971,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,586
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$71,453
−HK$1,893/mo
Today · 4.125%
HK$73,346
baseline
▲ 0.50% · 4.625%
HK$77,212
+HK$3,866/mo
Deposit HK$9.14M · loan HK$13.72M · min. income ≈ HK$146,692/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$971,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,975
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$75,245
−HK$2,306/mo
Today · 4.125%
HK$77,551
baseline
▲ 0.50% · 4.625%
HK$82,270
+HK$4,719/mo
Deposit HK$6.86M · loan HK$16.00M · min. income ≈ HK$155,102/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,184
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$83,361
−HK$2,209/mo
Today · 4.125%
HK$85,570
baseline
▲ 0.50% · 4.625%
HK$90,081
+HK$4,511/mo
Deposit HK$6.86M · loan HK$16.00M · min. income ≈ HK$171,140/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,825
−HK$5,884/mo
▼ 0.25% · 3.875%
HK$96,744
−HK$2,965/mo
Today · 4.125%
HK$99,709
baseline
▲ 0.50% · 4.625%
HK$105,776
+HK$6,067/mo
Deposit HK$2.29M · loan HK$20.57M · min. income ≈ HK$199,418/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,380
−HK$5,639/mo
▼ 0.25% · 3.875%
HK$107,179
−HK$2,840/mo
Today · 4.125%
HK$110,019
baseline
▲ 0.50% · 4.625%
HK$115,818
+HK$5,799/mo
Deposit HK$2.29M · loan HK$20.57M · min. income ≈ HK$220,038/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,521 · Scale 2, in force from 26 Feb 2026)