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$52,134
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$53,756
−HK$1,647/mo
Today · 4.125%
HK$55,403
baseline
▲ 0.50% · 4.625%
HK$58,775
+HK$3,372/mo
Deposit HK$11.43M · loan HK$11.43M · min. income ≈ HK$110,806/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$971,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,999
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$59,554
−HK$1,578/mo
Today · 4.125%
HK$61,132
baseline
▲ 0.50% · 4.625%
HK$64,355
+HK$3,223/mo
Deposit HK$11.43M · loan HK$11.43M · min. income ≈ HK$122,264/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$971,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,561
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$64,507
−HK$1,977/mo
Today · 4.125%
HK$66,484
baseline
▲ 0.50% · 4.625%
HK$70,529
+HK$4,045/mo
Deposit HK$9.15M · loan HK$13.72M · min. income ≈ HK$132,968/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$971,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,598
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$71,465
−HK$1,894/mo
Today · 4.125%
HK$73,359
baseline
▲ 0.50% · 4.625%
HK$77,225
+HK$3,866/mo
Deposit HK$9.15M · loan HK$13.72M · min. income ≈ HK$146,718/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$971,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,988
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$75,258
−HK$2,307/mo
Today · 4.125%
HK$77,565
baseline
▲ 0.50% · 4.625%
HK$82,284
+HK$4,719/mo
Deposit HK$6.86M · loan HK$16.00M · min. income ≈ HK$155,130/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,198
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$83,376
−HK$2,209/mo
Today · 4.125%
HK$85,585
baseline
▲ 0.50% · 4.625%
HK$90,096
+HK$4,511/mo
Deposit HK$6.86M · loan HK$16.00M · min. income ≈ HK$171,170/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,841
−HK$5,885/mo
▼ 0.25% · 3.875%
HK$96,760
−HK$2,966/mo
Today · 4.125%
HK$99,726
baseline
▲ 0.50% · 4.625%
HK$105,794
+HK$6,068/mo
Deposit HK$2.29M · loan HK$20.58M · min. income ≈ HK$199,452/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,398
−HK$5,640/mo
▼ 0.25% · 3.875%
HK$107,197
−HK$2,841/mo
Today · 4.125%
HK$110,038
baseline
▲ 0.50% · 4.625%
HK$115,838
+HK$5,800/mo
Deposit HK$2.29M · loan HK$20.58M · min. income ≈ HK$220,076/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,689 · Scale 2, in force from 26 Feb 2026)