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$48,410
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,915
−HK$1,530/mo
Today · 4.125%
HK$51,445
baseline
▲ 0.50% · 4.625%
HK$54,576
+HK$3,131/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$102,890/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$872,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,855
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,300
−HK$1,465/mo
Today · 4.125%
HK$56,765
baseline
▲ 0.50% · 4.625%
HK$59,757
+HK$2,992/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$113,530/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$872,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,091
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$59,898
−HK$1,836/mo
Today · 4.125%
HK$61,734
baseline
▲ 0.50% · 4.625%
HK$65,491
+HK$3,757/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$123,468/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$872,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,626
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$66,359
−HK$1,759/mo
Today · 4.125%
HK$68,118
baseline
▲ 0.50% · 4.625%
HK$71,708
+HK$3,590/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$136,236/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$872,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,773
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$69,882
−HK$2,141/mo
Today · 4.125%
HK$72,023
baseline
▲ 0.50% · 4.625%
HK$76,406
+HK$4,383/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$144,046/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$872,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,397
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$77,419
−HK$2,052/mo
Today · 4.125%
HK$79,471
baseline
▲ 0.50% · 4.625%
HK$83,660
+HK$4,189/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$158,942/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$872,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,137
−HK$5,464/mo
▼ 0.25% · 3.875%
HK$89,848
−HK$2,753/mo
Today · 4.125%
HK$92,601
baseline
▲ 0.50% · 4.625%
HK$98,236
+HK$5,635/mo
Deposit HK$2.12M · loan HK$19.11M · min. income ≈ HK$185,202/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$872,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,939
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$99,539
−HK$2,638/mo
Today · 4.125%
HK$102,177
baseline
▲ 0.50% · 4.625%
HK$107,562
+HK$5,385/mo
Deposit HK$2.12M · loan HK$19.11M · min. income ≈ HK$204,354/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$872,988 · Scale 2, in force from 26 Feb 2026)