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$48,418
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$49,924
−HK$1,530/mo
Today · 4.125%
HK$51,454
baseline
▲ 0.50% · 4.625%
HK$54,585
+HK$3,131/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$102,908/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$873,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,865
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,309
−HK$1,466/mo
Today · 4.125%
HK$56,775
baseline
▲ 0.50% · 4.625%
HK$59,767
+HK$2,992/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$113,550/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$873,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,102
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$59,909
−HK$1,836/mo
Today · 4.125%
HK$61,745
baseline
▲ 0.50% · 4.625%
HK$65,502
+HK$3,757/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$123,490/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$873,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,637
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,371
−HK$1,759/mo
Today · 4.125%
HK$68,130
baseline
▲ 0.50% · 4.625%
HK$71,721
+HK$3,591/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$136,260/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$873,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,785
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$69,894
−HK$2,142/mo
Today · 4.125%
HK$72,036
baseline
▲ 0.50% · 4.625%
HK$76,419
+HK$4,383/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$144,072/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$873,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,410
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$77,433
−HK$2,052/mo
Today · 4.125%
HK$79,485
baseline
▲ 0.50% · 4.625%
HK$83,674
+HK$4,189/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$158,970/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$873,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,152
−HK$5,466/mo
▼ 0.25% · 3.875%
HK$89,863
−HK$2,755/mo
Today · 4.125%
HK$92,618
baseline
▲ 0.50% · 4.625%
HK$98,253
+HK$5,635/mo
Deposit HK$2.12M · loan HK$19.11M · min. income ≈ HK$185,236/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$873,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,956
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$99,557
−HK$2,637/mo
Today · 4.125%
HK$102,194
baseline
▲ 0.50% · 4.625%
HK$107,581
+HK$5,387/mo
Deposit HK$2.12M · loan HK$19.11M · min. income ≈ HK$204,388/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$873,359 · Scale 2, in force from 26 Feb 2026)