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$48,415
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$49,921
−HK$1,530/mo
Today · 4.125%
HK$51,451
baseline
▲ 0.50% · 4.625%
HK$54,581
+HK$3,130/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$102,902/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$873,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,861
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,305
−HK$1,466/mo
Today · 4.125%
HK$56,771
baseline
▲ 0.50% · 4.625%
HK$59,763
+HK$2,992/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$113,542/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$873,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,098
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$59,905
−HK$1,836/mo
Today · 4.125%
HK$61,741
baseline
▲ 0.50% · 4.625%
HK$65,498
+HK$3,757/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$123,482/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$873,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,633
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$66,366
−HK$1,759/mo
Today · 4.125%
HK$68,125
baseline
▲ 0.50% · 4.625%
HK$71,716
+HK$3,591/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$136,250/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$873,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,781
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$69,889
−HK$2,142/mo
Today · 4.125%
HK$72,031
baseline
▲ 0.50% · 4.625%
HK$76,414
+HK$4,383/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$144,062/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$873,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,405
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$77,428
−HK$2,051/mo
Today · 4.125%
HK$79,479
baseline
▲ 0.50% · 4.625%
HK$83,669
+HK$4,190/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$158,958/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$873,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,146
−HK$5,465/mo
▼ 0.25% · 3.875%
HK$89,857
−HK$2,754/mo
Today · 4.125%
HK$92,611
baseline
▲ 0.50% · 4.625%
HK$98,247
+HK$5,636/mo
Deposit HK$2.12M · loan HK$19.11M · min. income ≈ HK$185,222/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$873,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,950
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$99,550
−HK$2,637/mo
Today · 4.125%
HK$102,187
baseline
▲ 0.50% · 4.625%
HK$107,574
+HK$5,387/mo
Deposit HK$2.12M · loan HK$19.11M · min. income ≈ HK$204,374/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$873,214 · Scale 2, in force from 26 Feb 2026)