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$52,065
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,685
−HK$1,645/mo
Today · 4.125%
HK$55,330
baseline
▲ 0.50% · 4.625%
HK$58,697
+HK$3,367/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$110,660/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$970,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,922
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$59,475
−HK$1,576/mo
Today · 4.125%
HK$61,051
baseline
▲ 0.50% · 4.625%
HK$64,269
+HK$3,218/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$122,102/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$970,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,478
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$64,422
−HK$1,974/mo
Today · 4.125%
HK$66,396
baseline
▲ 0.50% · 4.625%
HK$70,436
+HK$4,040/mo
Deposit HK$9.13M · loan HK$13.70M · min. income ≈ HK$132,792/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$970,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,506
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$71,370
−HK$1,891/mo
Today · 4.125%
HK$73,261
baseline
▲ 0.50% · 4.625%
HK$77,123
+HK$3,862/mo
Deposit HK$9.13M · loan HK$13.70M · min. income ≈ HK$146,522/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$970,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,891
−HK$4,571/mo
▼ 0.25% · 3.875%
HK$75,158
−HK$2,304/mo
Today · 4.125%
HK$77,462
baseline
▲ 0.50% · 4.625%
HK$82,175
+HK$4,713/mo
Deposit HK$6.85M · loan HK$15.98M · min. income ≈ HK$154,924/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,091
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$83,265
−HK$2,207/mo
Today · 4.125%
HK$85,472
baseline
▲ 0.50% · 4.625%
HK$89,977
+HK$4,505/mo
Deposit HK$6.85M · loan HK$15.98M · min. income ≈ HK$170,944/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,717
−HK$5,877/mo
▼ 0.25% · 3.875%
HK$96,632
−HK$2,962/mo
Today · 4.125%
HK$99,594
baseline
▲ 0.50% · 4.625%
HK$105,654
+HK$6,060/mo
Deposit HK$2.28M · loan HK$20.55M · min. income ≈ HK$199,188/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$970,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,259
−HK$5,633/mo
▼ 0.25% · 3.875%
HK$107,056
−HK$2,836/mo
Today · 4.125%
HK$109,892
baseline
▲ 0.50% · 4.625%
HK$115,685
+HK$5,793/mo
Deposit HK$2.28M · loan HK$20.55M · min. income ≈ HK$219,784/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$970,403 · Scale 2, in force from 26 Feb 2026)