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$48,480
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$49,988
−HK$1,532/mo
Today · 4.125%
HK$51,520
baseline
▲ 0.50% · 4.625%
HK$54,655
+HK$3,135/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$103,040/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$876,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,933
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,379
−HK$1,468/mo
Today · 4.125%
HK$56,847
baseline
▲ 0.50% · 4.625%
HK$59,843
+HK$2,996/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$113,694/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$876,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,175
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$59,985
−HK$1,839/mo
Today · 4.125%
HK$61,824
baseline
▲ 0.50% · 4.625%
HK$65,585
+HK$3,761/mo
Deposit HK$8.50M · loan HK$12.76M · min. income ≈ HK$123,648/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$876,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,720
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$66,455
−HK$1,761/mo
Today · 4.125%
HK$68,216
baseline
▲ 0.50% · 4.625%
HK$71,812
+HK$3,596/mo
Deposit HK$8.50M · loan HK$12.76M · min. income ≈ HK$136,432/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$876,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,871
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$69,983
−HK$2,145/mo
Today · 4.125%
HK$72,128
baseline
▲ 0.50% · 4.625%
HK$76,516
+HK$4,388/mo
Deposit HK$6.38M · loan HK$14.88M · min. income ≈ HK$144,256/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$876,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,506
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$77,531
−HK$2,055/mo
Today · 4.125%
HK$79,586
baseline
▲ 0.50% · 4.625%
HK$83,781
+HK$4,195/mo
Deposit HK$6.38M · loan HK$14.88M · min. income ≈ HK$159,172/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$876,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,263
−HK$5,472/mo
▼ 0.25% · 3.875%
HK$89,978
−HK$2,757/mo
Today · 4.125%
HK$92,735
baseline
▲ 0.50% · 4.625%
HK$98,378
+HK$5,643/mo
Deposit HK$2.13M · loan HK$19.13M · min. income ≈ HK$185,470/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$876,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,079
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$99,683
−HK$2,641/mo
Today · 4.125%
HK$102,324
baseline
▲ 0.50% · 4.625%
HK$107,718
+HK$5,394/mo
Deposit HK$2.13M · loan HK$19.13M · min. income ≈ HK$204,648/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$876,058 · Scale 2, in force from 26 Feb 2026)