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$48,468
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$49,976
−HK$1,532/mo
Today · 4.125%
HK$51,508
baseline
▲ 0.50% · 4.625%
HK$54,642
+HK$3,134/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$103,016/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$875,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,920
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,366
−HK$1,468/mo
Today · 4.125%
HK$56,834
baseline
▲ 0.50% · 4.625%
HK$59,829
+HK$2,995/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$113,668/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$875,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,162
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$59,971
−HK$1,838/mo
Today · 4.125%
HK$61,809
baseline
▲ 0.50% · 4.625%
HK$65,570
+HK$3,761/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$123,618/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$875,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,704
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$66,440
−HK$1,760/mo
Today · 4.125%
HK$68,200
baseline
▲ 0.50% · 4.625%
HK$71,795
+HK$3,595/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$136,400/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$875,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,855
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$69,966
−HK$2,145/mo
Today · 4.125%
HK$72,111
baseline
▲ 0.50% · 4.625%
HK$76,498
+HK$4,387/mo
Deposit HK$6.38M · loan HK$14.88M · min. income ≈ HK$144,222/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$875,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,489
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$77,513
−HK$2,054/mo
Today · 4.125%
HK$79,567
baseline
▲ 0.50% · 4.625%
HK$83,761
+HK$4,194/mo
Deposit HK$6.38M · loan HK$14.88M · min. income ≈ HK$159,134/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$875,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,243
−HK$5,471/mo
▼ 0.25% · 3.875%
HK$89,956
−HK$2,758/mo
Today · 4.125%
HK$92,714
baseline
▲ 0.50% · 4.625%
HK$98,355
+HK$5,641/mo
Deposit HK$2.13M · loan HK$19.13M · min. income ≈ HK$185,428/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$875,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,057
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$99,660
−HK$2,640/mo
Today · 4.125%
HK$102,300
baseline
▲ 0.50% · 4.625%
HK$107,693
+HK$5,393/mo
Deposit HK$2.13M · loan HK$19.13M · min. income ≈ HK$204,600/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$875,559 · Scale 2, in force from 26 Feb 2026)