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$48,436
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$49,943
−HK$1,530/mo
Today · 4.125%
HK$51,473
baseline
▲ 0.50% · 4.625%
HK$54,605
+HK$3,132/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$102,946/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$874,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,884
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$55,330
−HK$1,466/mo
Today · 4.125%
HK$56,796
baseline
▲ 0.50% · 4.625%
HK$59,789
+HK$2,993/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$113,592/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$874,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,123
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,931
−HK$1,837/mo
Today · 4.125%
HK$61,768
baseline
▲ 0.50% · 4.625%
HK$65,526
+HK$3,758/mo
Deposit HK$8.50M · loan HK$12.74M · min. income ≈ HK$123,536/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$874,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,661
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,396
−HK$1,759/mo
Today · 4.125%
HK$68,155
baseline
▲ 0.50% · 4.625%
HK$71,747
+HK$3,592/mo
Deposit HK$8.50M · loan HK$12.74M · min. income ≈ HK$136,310/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$874,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,810
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$69,920
−HK$2,143/mo
Today · 4.125%
HK$72,063
baseline
▲ 0.50% · 4.625%
HK$76,447
+HK$4,384/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$144,126/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$874,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,438
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$77,461
−HK$2,053/mo
Today · 4.125%
HK$79,514
baseline
▲ 0.50% · 4.625%
HK$83,705
+HK$4,191/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$159,028/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$874,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,185
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$89,897
−HK$2,755/mo
Today · 4.125%
HK$92,652
baseline
▲ 0.50% · 4.625%
HK$98,290
+HK$5,638/mo
Deposit HK$2.12M · loan HK$19.12M · min. income ≈ HK$185,304/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$874,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,992
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$99,593
−HK$2,639/mo
Today · 4.125%
HK$102,232
baseline
▲ 0.50% · 4.625%
HK$107,621
+HK$5,389/mo
Deposit HK$2.12M · loan HK$19.12M · min. income ≈ HK$204,464/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$874,143 · Scale 2, in force from 26 Feb 2026)