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$48,417
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$49,923
−HK$1,530/mo
Today · 4.125%
HK$51,453
baseline
▲ 0.50% · 4.625%
HK$54,584
+HK$3,131/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$102,906/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$873,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,863
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,308
−HK$1,465/mo
Today · 4.125%
HK$56,773
baseline
▲ 0.50% · 4.625%
HK$59,766
+HK$2,993/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$113,546/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$873,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,100
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$59,907
−HK$1,837/mo
Today · 4.125%
HK$61,744
baseline
▲ 0.50% · 4.625%
HK$65,501
+HK$3,757/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$123,488/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$873,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,636
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$66,369
−HK$1,759/mo
Today · 4.125%
HK$68,128
baseline
▲ 0.50% · 4.625%
HK$71,719
+HK$3,591/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$136,256/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$873,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,784
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$69,892
−HK$2,142/mo
Today · 4.125%
HK$72,034
baseline
▲ 0.50% · 4.625%
HK$76,417
+HK$4,383/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$144,068/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$873,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,409
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$77,431
−HK$2,052/mo
Today · 4.125%
HK$79,483
baseline
▲ 0.50% · 4.625%
HK$83,672
+HK$4,189/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$158,966/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$873,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,150
−HK$5,465/mo
▼ 0.25% · 3.875%
HK$89,861
−HK$2,754/mo
Today · 4.125%
HK$92,615
baseline
▲ 0.50% · 4.625%
HK$98,251
+HK$5,636/mo
Deposit HK$2.12M · loan HK$19.11M · min. income ≈ HK$185,230/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$873,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,954
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$99,554
−HK$2,638/mo
Today · 4.125%
HK$102,192
baseline
▲ 0.50% · 4.625%
HK$107,579
+HK$5,387/mo
Deposit HK$2.12M · loan HK$19.11M · min. income ≈ HK$204,384/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$873,306 · Scale 2, in force from 26 Feb 2026)