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$48,443
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$49,950
−HK$1,531/mo
Today · 4.125%
HK$51,481
baseline
▲ 0.50% · 4.625%
HK$54,613
+HK$3,132/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$102,962/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$874,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,892
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$55,337
−HK$1,467/mo
Today · 4.125%
HK$56,804
baseline
▲ 0.50% · 4.625%
HK$59,798
+HK$2,994/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$113,608/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$874,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,131
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$59,939
−HK$1,838/mo
Today · 4.125%
HK$61,777
baseline
▲ 0.50% · 4.625%
HK$65,536
+HK$3,759/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$123,554/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$874,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,670
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,405
−HK$1,759/mo
Today · 4.125%
HK$68,164
baseline
▲ 0.50% · 4.625%
HK$71,757
+HK$3,593/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$136,328/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$874,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,820
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$69,929
−HK$2,144/mo
Today · 4.125%
HK$72,073
baseline
▲ 0.50% · 4.625%
HK$76,458
+HK$4,385/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$144,146/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$874,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,449
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$77,472
−HK$2,053/mo
Today · 4.125%
HK$79,525
baseline
▲ 0.50% · 4.625%
HK$83,717
+HK$4,192/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$159,050/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$874,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,197
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$89,909
−HK$2,756/mo
Today · 4.125%
HK$92,665
baseline
▲ 0.50% · 4.625%
HK$98,303
+HK$5,638/mo
Deposit HK$2.12M · loan HK$19.12M · min. income ≈ HK$185,330/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$874,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,006
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$99,607
−HK$2,640/mo
Today · 4.125%
HK$102,247
baseline
▲ 0.50% · 4.625%
HK$107,636
+HK$5,389/mo
Deposit HK$2.12M · loan HK$19.12M · min. income ≈ HK$204,494/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$874,442 · Scale 2, in force from 26 Feb 2026)