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$52,154
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$53,777
−HK$1,648/mo
Today · 4.125%
HK$55,425
baseline
▲ 0.50% · 4.625%
HK$58,797
+HK$3,372/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$110,850/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$972,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,021
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$59,577
−HK$1,579/mo
Today · 4.125%
HK$61,156
baseline
▲ 0.50% · 4.625%
HK$64,379
+HK$3,223/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$122,312/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$972,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,585
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$64,532
−HK$1,978/mo
Today · 4.125%
HK$66,510
baseline
▲ 0.50% · 4.625%
HK$70,557
+HK$4,047/mo
Deposit HK$9.15M · loan HK$13.72M · min. income ≈ HK$133,020/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$972,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,625
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$71,493
−HK$1,894/mo
Today · 4.125%
HK$73,387
baseline
▲ 0.50% · 4.625%
HK$77,255
+HK$3,868/mo
Deposit HK$9.15M · loan HK$13.72M · min. income ≈ HK$146,774/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$972,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,016
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$75,287
−HK$2,308/mo
Today · 4.125%
HK$77,595
baseline
▲ 0.50% · 4.625%
HK$82,316
+HK$4,721/mo
Deposit HK$6.86M · loan HK$16.01M · min. income ≈ HK$155,190/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$972,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,230
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$83,408
−HK$2,210/mo
Today · 4.125%
HK$85,618
baseline
▲ 0.50% · 4.625%
HK$90,131
+HK$4,513/mo
Deposit HK$6.86M · loan HK$16.01M · min. income ≈ HK$171,236/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$972,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,878
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$96,798
−HK$2,967/mo
Today · 4.125%
HK$99,765
baseline
▲ 0.50% · 4.625%
HK$105,835
+HK$6,070/mo
Deposit HK$2.29M · loan HK$20.58M · min. income ≈ HK$199,530/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,438
−HK$5,643/mo
▼ 0.25% · 3.875%
HK$107,239
−HK$2,842/mo
Today · 4.125%
HK$110,081
baseline
▲ 0.50% · 4.625%
HK$115,883
+HK$5,802/mo
Deposit HK$2.29M · loan HK$20.58M · min. income ≈ HK$220,162/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,066 · Scale 2, in force from 26 Feb 2026)