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$48,434
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$49,940
−HK$1,531/mo
Today · 4.125%
HK$51,471
baseline
▲ 0.50% · 4.625%
HK$54,603
+HK$3,132/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$102,942/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$874,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,882
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$55,327
−HK$1,466/mo
Today · 4.125%
HK$56,793
baseline
▲ 0.50% · 4.625%
HK$59,787
+HK$2,994/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$113,586/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$874,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,120
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,928
−HK$1,837/mo
Today · 4.125%
HK$61,765
baseline
▲ 0.50% · 4.625%
HK$65,523
+HK$3,758/mo
Deposit HK$8.50M · loan HK$12.74M · min. income ≈ HK$123,530/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$874,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,658
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,393
−HK$1,759/mo
Today · 4.125%
HK$68,152
baseline
▲ 0.50% · 4.625%
HK$71,744
+HK$3,592/mo
Deposit HK$8.50M · loan HK$12.74M · min. income ≈ HK$136,304/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$874,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,807
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$69,916
−HK$2,143/mo
Today · 4.125%
HK$72,059
baseline
▲ 0.50% · 4.625%
HK$76,444
+HK$4,385/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$144,118/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$874,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,435
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$77,458
−HK$2,052/mo
Today · 4.125%
HK$79,510
baseline
▲ 0.50% · 4.625%
HK$83,701
+HK$4,191/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$159,020/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$874,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,181
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$89,893
−HK$2,755/mo
Today · 4.125%
HK$92,648
baseline
▲ 0.50% · 4.625%
HK$98,285
+HK$5,637/mo
Deposit HK$2.12M · loan HK$19.12M · min. income ≈ HK$185,296/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$874,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,988
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$99,589
−HK$2,639/mo
Today · 4.125%
HK$102,228
baseline
▲ 0.50% · 4.625%
HK$107,616
+HK$5,388/mo
Deposit HK$2.12M · loan HK$19.12M · min. income ≈ HK$204,456/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$874,047 · Scale 2, in force from 26 Feb 2026)