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$52,044
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$53,662
−HK$1,645/mo
Today · 4.125%
HK$55,307
baseline
▲ 0.50% · 4.625%
HK$58,673
+HK$3,366/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$110,614/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$970,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,898
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,451
−HK$1,575/mo
Today · 4.125%
HK$61,026
baseline
▲ 0.50% · 4.625%
HK$64,243
+HK$3,217/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$122,052/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$970,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,452
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$64,395
−HK$1,974/mo
Today · 4.125%
HK$66,369
baseline
▲ 0.50% · 4.625%
HK$70,407
+HK$4,038/mo
Deposit HK$9.13M · loan HK$13.69M · min. income ≈ HK$132,738/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$970,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,478
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$71,341
−HK$1,890/mo
Today · 4.125%
HK$73,231
baseline
▲ 0.50% · 4.625%
HK$77,091
+HK$3,860/mo
Deposit HK$9.13M · loan HK$13.69M · min. income ≈ HK$146,462/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$970,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,861
−HK$4,569/mo
▼ 0.25% · 3.875%
HK$75,127
−HK$2,303/mo
Today · 4.125%
HK$77,430
baseline
▲ 0.50% · 4.625%
HK$82,142
+HK$4,712/mo
Deposit HK$6.85M · loan HK$15.98M · min. income ≈ HK$154,860/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,057
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$83,231
−HK$2,206/mo
Today · 4.125%
HK$85,437
baseline
▲ 0.50% · 4.625%
HK$89,940
+HK$4,503/mo
Deposit HK$6.85M · loan HK$15.98M · min. income ≈ HK$170,874/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,679
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$96,592
−HK$2,961/mo
Today · 4.125%
HK$99,553
baseline
▲ 0.50% · 4.625%
HK$105,611
+HK$6,058/mo
Deposit HK$2.28M · loan HK$20.54M · min. income ≈ HK$199,106/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$970,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,216
−HK$5,631/mo
▼ 0.25% · 3.875%
HK$107,011
−HK$2,836/mo
Today · 4.125%
HK$109,847
baseline
▲ 0.50% · 4.625%
HK$115,637
+HK$5,790/mo
Deposit HK$2.28M · loan HK$20.54M · min. income ≈ HK$219,694/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$970,003 · Scale 2, in force from 26 Feb 2026)