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$48,481
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$49,990
−HK$1,532/mo
Today · 4.125%
HK$51,522
baseline
▲ 0.50% · 4.625%
HK$54,657
+HK$3,135/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$103,044/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$876,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,935
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,382
−HK$1,467/mo
Today · 4.125%
HK$56,849
baseline
▲ 0.50% · 4.625%
HK$59,846
+HK$2,997/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$113,698/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$876,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,178
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$59,987
−HK$1,839/mo
Today · 4.125%
HK$61,826
baseline
▲ 0.50% · 4.625%
HK$65,588
+HK$3,762/mo
Deposit HK$8.50M · loan HK$12.76M · min. income ≈ HK$123,652/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$876,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,722
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$66,458
−HK$1,761/mo
Today · 4.125%
HK$68,219
baseline
▲ 0.50% · 4.625%
HK$71,815
+HK$3,596/mo
Deposit HK$8.50M · loan HK$12.76M · min. income ≈ HK$136,438/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$876,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,874
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$69,985
−HK$2,145/mo
Today · 4.125%
HK$72,130
baseline
▲ 0.50% · 4.625%
HK$76,519
+HK$4,389/mo
Deposit HK$6.38M · loan HK$14.88M · min. income ≈ HK$144,260/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$876,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,509
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$77,534
−HK$2,055/mo
Today · 4.125%
HK$79,589
baseline
▲ 0.50% · 4.625%
HK$83,784
+HK$4,195/mo
Deposit HK$6.38M · loan HK$14.88M · min. income ≈ HK$159,178/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$876,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,267
−HK$5,472/mo
▼ 0.25% · 3.875%
HK$89,981
−HK$2,758/mo
Today · 4.125%
HK$92,739
baseline
▲ 0.50% · 4.625%
HK$98,382
+HK$5,643/mo
Deposit HK$2.13M · loan HK$19.14M · min. income ≈ HK$185,478/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$876,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,083
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$99,687
−HK$2,641/mo
Today · 4.125%
HK$102,328
baseline
▲ 0.50% · 4.625%
HK$107,722
+HK$5,394/mo
Deposit HK$2.13M · loan HK$19.14M · min. income ≈ HK$204,656/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$876,142 · Scale 2, in force from 26 Feb 2026)