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$52,113
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$53,734
−HK$1,647/mo
Today · 4.125%
HK$55,381
baseline
▲ 0.50% · 4.625%
HK$58,751
+HK$3,370/mo
Deposit HK$11.43M · loan HK$11.43M · min. income ≈ HK$110,762/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$971,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,975
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$59,530
−HK$1,577/mo
Today · 4.125%
HK$61,107
baseline
▲ 0.50% · 4.625%
HK$64,328
+HK$3,221/mo
Deposit HK$11.43M · loan HK$11.43M · min. income ≈ HK$122,214/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$971,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,535
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$64,481
−HK$1,976/mo
Today · 4.125%
HK$66,457
baseline
▲ 0.50% · 4.625%
HK$70,501
+HK$4,044/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$132,914/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$971,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,570
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$71,436
−HK$1,893/mo
Today · 4.125%
HK$73,329
baseline
▲ 0.50% · 4.625%
HK$77,194
+HK$3,865/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$146,658/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$971,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,958
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$75,227
−HK$2,306/mo
Today · 4.125%
HK$77,533
baseline
▲ 0.50% · 4.625%
HK$82,251
+HK$4,718/mo
Deposit HK$6.86M · loan HK$16.00M · min. income ≈ HK$155,066/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,165
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$83,342
−HK$2,208/mo
Today · 4.125%
HK$85,550
baseline
▲ 0.50% · 4.625%
HK$90,060
+HK$4,510/mo
Deposit HK$6.86M · loan HK$16.00M · min. income ≈ HK$171,100/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,803
−HK$5,882/mo
▼ 0.25% · 3.875%
HK$96,721
−HK$2,964/mo
Today · 4.125%
HK$99,685
baseline
▲ 0.50% · 4.625%
HK$105,751
+HK$6,066/mo
Deposit HK$2.29M · loan HK$20.57M · min. income ≈ HK$199,370/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,355
−HK$5,638/mo
▼ 0.25% · 3.875%
HK$107,154
−HK$2,839/mo
Today · 4.125%
HK$109,993
baseline
▲ 0.50% · 4.625%
HK$115,791
+HK$5,798/mo
Deposit HK$2.29M · loan HK$20.57M · min. income ≈ HK$219,986/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,293 · Scale 2, in force from 26 Feb 2026)