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$48,447
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$49,954
−HK$1,532/mo
Today · 4.125%
HK$51,486
baseline
▲ 0.50% · 4.625%
HK$54,618
+HK$3,132/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$102,972/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$874,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,897
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$55,343
−HK$1,466/mo
Today · 4.125%
HK$56,809
baseline
▲ 0.50% · 4.625%
HK$59,804
+HK$2,995/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$113,618/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$874,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,137
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$59,945
−HK$1,838/mo
Today · 4.125%
HK$61,783
baseline
▲ 0.50% · 4.625%
HK$65,542
+HK$3,759/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$123,566/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$874,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,677
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,411
−HK$1,760/mo
Today · 4.125%
HK$68,171
baseline
▲ 0.50% · 4.625%
HK$71,764
+HK$3,593/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$136,342/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$874,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,826
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$69,936
−HK$2,144/mo
Today · 4.125%
HK$72,080
baseline
▲ 0.50% · 4.625%
HK$76,466
+HK$4,386/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$144,160/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$874,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,456
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$77,480
−HK$2,053/mo
Today · 4.125%
HK$79,533
baseline
▲ 0.50% · 4.625%
HK$83,725
+HK$4,192/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$159,066/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$874,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,205
−HK$5,469/mo
▼ 0.25% · 3.875%
HK$89,918
−HK$2,756/mo
Today · 4.125%
HK$92,674
baseline
▲ 0.50% · 4.625%
HK$98,313
+HK$5,639/mo
Deposit HK$2.12M · loan HK$19.12M · min. income ≈ HK$185,348/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$874,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,015
−HK$5,242/mo
▼ 0.25% · 3.875%
HK$99,617
−HK$2,640/mo
Today · 4.125%
HK$102,257
baseline
▲ 0.50% · 4.625%
HK$107,647
+HK$5,390/mo
Deposit HK$2.12M · loan HK$19.12M · min. income ≈ HK$204,514/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$874,649 · Scale 2, in force from 26 Feb 2026)