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$52,082
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$53,702
−HK$1,646/mo
Today · 4.125%
HK$55,348
baseline
▲ 0.50% · 4.625%
HK$58,716
+HK$3,368/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$110,696/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$970,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,940
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$59,494
−HK$1,577/mo
Today · 4.125%
HK$61,071
baseline
▲ 0.50% · 4.625%
HK$64,290
+HK$3,219/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$122,142/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$970,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,498
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$64,442
−HK$1,975/mo
Today · 4.125%
HK$66,417
baseline
▲ 0.50% · 4.625%
HK$70,459
+HK$4,042/mo
Deposit HK$9.14M · loan HK$13.70M · min. income ≈ HK$132,834/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$970,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,529
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$71,393
−HK$1,892/mo
Today · 4.125%
HK$73,285
baseline
▲ 0.50% · 4.625%
HK$77,148
+HK$3,863/mo
Deposit HK$9.14M · loan HK$13.70M · min. income ≈ HK$146,570/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$970,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,915
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$75,183
−HK$2,304/mo
Today · 4.125%
HK$77,487
baseline
▲ 0.50% · 4.625%
HK$82,202
+HK$4,715/mo
Deposit HK$6.85M · loan HK$15.99M · min. income ≈ HK$154,974/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,117
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$83,292
−HK$2,207/mo
Today · 4.125%
HK$85,499
baseline
▲ 0.50% · 4.625%
HK$90,006
+HK$4,507/mo
Deposit HK$6.85M · loan HK$15.99M · min. income ≈ HK$170,998/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,747
−HK$5,879/mo
▼ 0.25% · 3.875%
HK$96,663
−HK$2,963/mo
Today · 4.125%
HK$99,626
baseline
▲ 0.50% · 4.625%
HK$105,688
+HK$6,062/mo
Deposit HK$2.28M · loan HK$20.56M · min. income ≈ HK$199,252/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$970,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,293
−HK$5,634/mo
▼ 0.25% · 3.875%
HK$107,090
−HK$2,837/mo
Today · 4.125%
HK$109,927
baseline
▲ 0.50% · 4.625%
HK$115,722
+HK$5,795/mo
Deposit HK$2.28M · loan HK$20.56M · min. income ≈ HK$219,854/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$970,714 · Scale 2, in force from 26 Feb 2026)