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$52,053
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$53,672
−HK$1,645/mo
Today · 4.125%
HK$55,317
baseline
▲ 0.50% · 4.625%
HK$58,683
+HK$3,366/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$110,634/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$970,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,909
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,462
−HK$1,575/mo
Today · 4.125%
HK$61,037
baseline
▲ 0.50% · 4.625%
HK$64,255
+HK$3,218/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$122,074/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$970,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,464
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$64,407
−HK$1,974/mo
Today · 4.125%
HK$66,381
baseline
▲ 0.50% · 4.625%
HK$70,420
+HK$4,039/mo
Deposit HK$9.13M · loan HK$13.70M · min. income ≈ HK$132,762/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$970,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,490
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$71,354
−HK$1,891/mo
Today · 4.125%
HK$73,245
baseline
▲ 0.50% · 4.625%
HK$77,106
+HK$3,861/mo
Deposit HK$9.13M · loan HK$13.70M · min. income ≈ HK$146,490/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$970,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,874
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$75,141
−HK$2,303/mo
Today · 4.125%
HK$77,444
baseline
▲ 0.50% · 4.625%
HK$82,157
+HK$4,713/mo
Deposit HK$6.85M · loan HK$15.98M · min. income ≈ HK$154,888/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,072
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$83,246
−HK$2,206/mo
Today · 4.125%
HK$85,452
baseline
▲ 0.50% · 4.625%
HK$89,956
+HK$4,504/mo
Deposit HK$6.85M · loan HK$15.98M · min. income ≈ HK$170,904/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,696
−HK$5,875/mo
▼ 0.25% · 3.875%
HK$96,610
−HK$2,961/mo
Today · 4.125%
HK$99,571
baseline
▲ 0.50% · 4.625%
HK$105,630
+HK$6,059/mo
Deposit HK$2.28M · loan HK$20.54M · min. income ≈ HK$199,142/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$970,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,236
−HK$5,631/mo
▼ 0.25% · 3.875%
HK$107,031
−HK$2,836/mo
Today · 4.125%
HK$109,867
baseline
▲ 0.50% · 4.625%
HK$115,658
+HK$5,791/mo
Deposit HK$2.28M · loan HK$20.54M · min. income ≈ HK$219,734/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$970,181 · Scale 2, in force from 26 Feb 2026)