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$52,063
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$53,682
−HK$1,645/mo
Today · 4.125%
HK$55,327
baseline
▲ 0.50% · 4.625%
HK$58,694
+HK$3,367/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$110,654/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$970,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,919
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$59,473
−HK$1,575/mo
Today · 4.125%
HK$61,048
baseline
▲ 0.50% · 4.625%
HK$64,266
+HK$3,218/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$122,096/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$970,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,475
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$64,418
−HK$1,975/mo
Today · 4.125%
HK$66,393
baseline
▲ 0.50% · 4.625%
HK$70,433
+HK$4,040/mo
Deposit HK$9.13M · loan HK$13.70M · min. income ≈ HK$132,786/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$970,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,503
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$71,367
−HK$1,891/mo
Today · 4.125%
HK$73,258
baseline
▲ 0.50% · 4.625%
HK$77,120
+HK$3,862/mo
Deposit HK$9.13M · loan HK$13.70M · min. income ≈ HK$146,516/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$970,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,888
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$75,155
−HK$2,303/mo
Today · 4.125%
HK$77,458
baseline
▲ 0.50% · 4.625%
HK$82,172
+HK$4,714/mo
Deposit HK$6.85M · loan HK$15.98M · min. income ≈ HK$154,916/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,087
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$83,262
−HK$2,206/mo
Today · 4.125%
HK$85,468
baseline
▲ 0.50% · 4.625%
HK$89,973
+HK$4,505/mo
Deposit HK$6.85M · loan HK$15.98M · min. income ≈ HK$170,936/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,713
−HK$5,876/mo
▼ 0.25% · 3.875%
HK$96,628
−HK$2,961/mo
Today · 4.125%
HK$99,589
baseline
▲ 0.50% · 4.625%
HK$105,649
+HK$6,060/mo
Deposit HK$2.28M · loan HK$20.55M · min. income ≈ HK$199,178/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$970,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,254
−HK$5,633/mo
▼ 0.25% · 3.875%
HK$107,051
−HK$2,836/mo
Today · 4.125%
HK$109,887
baseline
▲ 0.50% · 4.625%
HK$115,679
+HK$5,792/mo
Deposit HK$2.28M · loan HK$20.55M · min. income ≈ HK$219,774/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$970,357 · Scale 2, in force from 26 Feb 2026)