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$52,115
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$53,736
−HK$1,647/mo
Today · 4.125%
HK$55,383
baseline
▲ 0.50% · 4.625%
HK$58,753
+HK$3,370/mo
Deposit HK$11.43M · loan HK$11.43M · min. income ≈ HK$110,766/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$971,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,978
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$59,533
−HK$1,577/mo
Today · 4.125%
HK$61,110
baseline
▲ 0.50% · 4.625%
HK$64,331
+HK$3,221/mo
Deposit HK$11.43M · loan HK$11.43M · min. income ≈ HK$122,220/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$971,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,538
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$64,484
−HK$1,976/mo
Today · 4.125%
HK$66,460
baseline
▲ 0.50% · 4.625%
HK$70,504
+HK$4,044/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$132,920/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$971,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,573
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$71,439
−HK$1,893/mo
Today · 4.125%
HK$73,332
baseline
▲ 0.50% · 4.625%
HK$77,198
+HK$3,866/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$146,664/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$971,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,961
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$75,231
−HK$2,306/mo
Today · 4.125%
HK$77,537
baseline
▲ 0.50% · 4.625%
HK$82,255
+HK$4,718/mo
Deposit HK$6.86M · loan HK$16.00M · min. income ≈ HK$155,074/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,169
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$83,346
−HK$2,208/mo
Today · 4.125%
HK$85,554
baseline
▲ 0.50% · 4.625%
HK$90,064
+HK$4,510/mo
Deposit HK$6.86M · loan HK$16.00M · min. income ≈ HK$171,108/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,808
−HK$5,882/mo
▼ 0.25% · 3.875%
HK$96,726
−HK$2,964/mo
Today · 4.125%
HK$99,690
baseline
▲ 0.50% · 4.625%
HK$105,756
+HK$6,066/mo
Deposit HK$2.29M · loan HK$20.57M · min. income ≈ HK$199,380/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,360
−HK$5,638/mo
▼ 0.25% · 3.875%
HK$107,159
−HK$2,839/mo
Today · 4.125%
HK$109,998
baseline
▲ 0.50% · 4.625%
HK$115,796
+HK$5,798/mo
Deposit HK$2.29M · loan HK$20.57M · min. income ≈ HK$219,996/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,340 · Scale 2, in force from 26 Feb 2026)