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$52,103
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$53,724
−HK$1,647/mo
Today · 4.125%
HK$55,371
baseline
▲ 0.50% · 4.625%
HK$58,740
+HK$3,369/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$110,742/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$971,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,964
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$59,519
−HK$1,577/mo
Today · 4.125%
HK$61,096
baseline
▲ 0.50% · 4.625%
HK$64,316
+HK$3,220/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$122,192/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$971,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,524
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$64,469
−HK$1,976/mo
Today · 4.125%
HK$66,445
baseline
▲ 0.50% · 4.625%
HK$70,488
+HK$4,043/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$132,890/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$971,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,557
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$71,423
−HK$1,892/mo
Today · 4.125%
HK$73,315
baseline
▲ 0.50% · 4.625%
HK$77,180
+HK$3,865/mo
Deposit HK$9.14M · loan HK$13.71M · min. income ≈ HK$146,630/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$971,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,944
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$75,213
−HK$2,306/mo
Today · 4.125%
HK$77,519
baseline
▲ 0.50% · 4.625%
HK$82,236
+HK$4,717/mo
Deposit HK$6.85M · loan HK$15.99M · min. income ≈ HK$155,038/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,150
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$83,326
−HK$2,208/mo
Today · 4.125%
HK$85,534
baseline
▲ 0.50% · 4.625%
HK$90,043
+HK$4,509/mo
Deposit HK$6.85M · loan HK$15.99M · min. income ≈ HK$171,068/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,786
−HK$5,881/mo
▼ 0.25% · 3.875%
HK$96,703
−HK$2,964/mo
Today · 4.125%
HK$99,667
baseline
▲ 0.50% · 4.625%
HK$105,731
+HK$6,064/mo
Deposit HK$2.28M · loan HK$20.56M · min. income ≈ HK$199,334/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,336
−HK$5,637/mo
▼ 0.25% · 3.875%
HK$107,134
−HK$2,839/mo
Today · 4.125%
HK$109,973
baseline
▲ 0.50% · 4.625%
HK$115,769
+HK$5,796/mo
Deposit HK$2.28M · loan HK$20.56M · min. income ≈ HK$219,946/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,113 · Scale 2, in force from 26 Feb 2026)