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$48,470
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$49,978
−HK$1,532/mo
Today · 4.125%
HK$51,510
baseline
▲ 0.50% · 4.625%
HK$54,644
+HK$3,134/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$103,020/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$875,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,922
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,369
−HK$1,467/mo
Today · 4.125%
HK$56,836
baseline
▲ 0.50% · 4.625%
HK$59,832
+HK$2,996/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$113,672/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$875,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,164
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$59,973
−HK$1,838/mo
Today · 4.125%
HK$61,811
baseline
▲ 0.50% · 4.625%
HK$65,573
+HK$3,762/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$123,622/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$875,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,707
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$66,442
−HK$1,761/mo
Today · 4.125%
HK$68,203
baseline
▲ 0.50% · 4.625%
HK$71,798
+HK$3,595/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$136,406/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$875,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,858
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$69,969
−HK$2,144/mo
Today · 4.125%
HK$72,113
baseline
▲ 0.50% · 4.625%
HK$76,501
+HK$4,388/mo
Deposit HK$6.38M · loan HK$14.88M · min. income ≈ HK$144,226/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$875,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,491
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$77,516
−HK$2,054/mo
Today · 4.125%
HK$79,570
baseline
▲ 0.50% · 4.625%
HK$83,764
+HK$4,194/mo
Deposit HK$6.38M · loan HK$14.88M · min. income ≈ HK$159,140/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$875,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,246
−HK$5,471/mo
▼ 0.25% · 3.875%
HK$89,960
−HK$2,757/mo
Today · 4.125%
HK$92,717
baseline
▲ 0.50% · 4.625%
HK$98,359
+HK$5,642/mo
Deposit HK$2.13M · loan HK$19.13M · min. income ≈ HK$185,434/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$875,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,060
−HK$5,244/mo
▼ 0.25% · 3.875%
HK$99,664
−HK$2,640/mo
Today · 4.125%
HK$102,304
baseline
▲ 0.50% · 4.625%
HK$107,697
+HK$5,393/mo
Deposit HK$2.13M · loan HK$19.13M · min. income ≈ HK$204,608/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$875,642 · Scale 2, in force from 26 Feb 2026)