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$48,453
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$49,960
−HK$1,531/mo
Today · 4.125%
HK$51,491
baseline
▲ 0.50% · 4.625%
HK$54,625
+HK$3,134/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$102,982/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$874,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,903
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$55,349
−HK$1,467/mo
Today · 4.125%
HK$56,816
baseline
▲ 0.50% · 4.625%
HK$59,811
+HK$2,995/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$113,632/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$874,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,144
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$59,952
−HK$1,838/mo
Today · 4.125%
HK$61,790
baseline
▲ 0.50% · 4.625%
HK$65,549
+HK$3,759/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$123,580/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$874,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,684
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$66,419
−HK$1,760/mo
Today · 4.125%
HK$68,179
baseline
▲ 0.50% · 4.625%
HK$71,773
+HK$3,594/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$136,358/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$874,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,834
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$69,944
−HK$2,144/mo
Today · 4.125%
HK$72,088
baseline
▲ 0.50% · 4.625%
HK$76,474
+HK$4,386/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$144,176/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$874,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,465
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$77,489
−HK$2,053/mo
Today · 4.125%
HK$79,542
baseline
▲ 0.50% · 4.625%
HK$83,735
+HK$4,193/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$159,084/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$874,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,215
−HK$5,470/mo
▼ 0.25% · 3.875%
HK$89,928
−HK$2,757/mo
Today · 4.125%
HK$92,685
baseline
▲ 0.50% · 4.625%
HK$98,324
+HK$5,639/mo
Deposit HK$2.12M · loan HK$19.12M · min. income ≈ HK$185,370/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$874,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,026
−HK$5,242/mo
▼ 0.25% · 3.875%
HK$99,628
−HK$2,640/mo
Today · 4.125%
HK$102,268
baseline
▲ 0.50% · 4.625%
HK$107,659
+HK$5,391/mo
Deposit HK$2.12M · loan HK$19.12M · min. income ≈ HK$204,536/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$874,893 · Scale 2, in force from 26 Feb 2026)