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$52,047
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$53,666
−HK$1,645/mo
Today · 4.125%
HK$55,311
baseline
▲ 0.50% · 4.625%
HK$58,677
+HK$3,366/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$110,622/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$970,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,902
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,455
−HK$1,575/mo
Today · 4.125%
HK$61,030
baseline
▲ 0.50% · 4.625%
HK$64,247
+HK$3,217/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$122,060/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$970,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,457
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$64,400
−HK$1,973/mo
Today · 4.125%
HK$66,373
baseline
▲ 0.50% · 4.625%
HK$70,412
+HK$4,039/mo
Deposit HK$9.13M · loan HK$13.70M · min. income ≈ HK$132,746/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$970,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,483
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$71,346
−HK$1,890/mo
Today · 4.125%
HK$73,236
baseline
▲ 0.50% · 4.625%
HK$77,097
+HK$3,861/mo
Deposit HK$9.13M · loan HK$13.70M · min. income ≈ HK$146,472/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$970,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,866
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$75,133
−HK$2,303/mo
Today · 4.125%
HK$77,436
baseline
▲ 0.50% · 4.625%
HK$82,147
+HK$4,711/mo
Deposit HK$6.85M · loan HK$15.98M · min. income ≈ HK$154,872/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,063
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$83,237
−HK$2,206/mo
Today · 4.125%
HK$85,443
baseline
▲ 0.50% · 4.625%
HK$89,946
+HK$4,503/mo
Deposit HK$6.85M · loan HK$15.98M · min. income ≈ HK$170,886/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,685
−HK$5,875/mo
▼ 0.25% · 3.875%
HK$96,599
−HK$2,961/mo
Today · 4.125%
HK$99,560
baseline
▲ 0.50% · 4.625%
HK$105,618
+HK$6,058/mo
Deposit HK$2.28M · loan HK$20.54M · min. income ≈ HK$199,120/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$970,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,224
−HK$5,631/mo
▼ 0.25% · 3.875%
HK$107,019
−HK$2,836/mo
Today · 4.125%
HK$109,855
baseline
▲ 0.50% · 4.625%
HK$115,645
+HK$5,790/mo
Deposit HK$2.28M · loan HK$20.54M · min. income ≈ HK$219,710/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$970,072 · Scale 2, in force from 26 Feb 2026)