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$48,483
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$49,991
−HK$1,532/mo
Today · 4.125%
HK$51,523
baseline
▲ 0.50% · 4.625%
HK$54,658
+HK$3,135/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$103,046/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$876,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,937
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,383
−HK$1,468/mo
Today · 4.125%
HK$56,851
baseline
▲ 0.50% · 4.625%
HK$59,848
+HK$2,997/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$113,702/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$876,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,180
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$59,989
−HK$1,839/mo
Today · 4.125%
HK$61,828
baseline
▲ 0.50% · 4.625%
HK$65,590
+HK$3,762/mo
Deposit HK$8.50M · loan HK$12.76M · min. income ≈ HK$123,656/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$876,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,724
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$66,460
−HK$1,761/mo
Today · 4.125%
HK$68,221
baseline
▲ 0.50% · 4.625%
HK$71,817
+HK$3,596/mo
Deposit HK$8.50M · loan HK$12.76M · min. income ≈ HK$136,442/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$876,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,876
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$69,988
−HK$2,145/mo
Today · 4.125%
HK$72,133
baseline
▲ 0.50% · 4.625%
HK$76,522
+HK$4,389/mo
Deposit HK$6.38M · loan HK$14.88M · min. income ≈ HK$144,266/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$876,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,512
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$77,537
−HK$2,054/mo
Today · 4.125%
HK$79,591
baseline
▲ 0.50% · 4.625%
HK$83,787
+HK$4,196/mo
Deposit HK$6.38M · loan HK$14.88M · min. income ≈ HK$159,182/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$876,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,269
−HK$5,473/mo
▼ 0.25% · 3.875%
HK$89,984
−HK$2,758/mo
Today · 4.125%
HK$92,742
baseline
▲ 0.50% · 4.625%
HK$98,385
+HK$5,643/mo
Deposit HK$2.13M · loan HK$19.14M · min. income ≈ HK$185,484/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$876,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,086
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$99,690
−HK$2,642/mo
Today · 4.125%
HK$102,332
baseline
▲ 0.50% · 4.625%
HK$107,726
+HK$5,394/mo
Deposit HK$2.13M · loan HK$19.14M · min. income ≈ HK$204,664/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$876,208 · Scale 2, in force from 26 Feb 2026)