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$48,465
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$49,972
−HK$1,532/mo
Today · 4.125%
HK$51,504
baseline
▲ 0.50% · 4.625%
HK$54,638
+HK$3,134/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$103,008/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$875,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,917
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$55,363
−HK$1,467/mo
Today · 4.125%
HK$56,830
baseline
▲ 0.50% · 4.625%
HK$59,825
+HK$2,995/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$113,660/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$875,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,158
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$59,967
−HK$1,838/mo
Today · 4.125%
HK$61,805
baseline
▲ 0.50% · 4.625%
HK$65,566
+HK$3,761/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$123,610/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$875,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,700
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$66,435
−HK$1,761/mo
Today · 4.125%
HK$68,196
baseline
▲ 0.50% · 4.625%
HK$71,790
+HK$3,594/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$136,392/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$875,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,851
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$69,961
−HK$2,145/mo
Today · 4.125%
HK$72,106
baseline
▲ 0.50% · 4.625%
HK$76,493
+HK$4,387/mo
Deposit HK$6.38M · loan HK$14.88M · min. income ≈ HK$144,212/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$875,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,483
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$77,508
−HK$2,054/mo
Today · 4.125%
HK$79,562
baseline
▲ 0.50% · 4.625%
HK$83,755
+HK$4,193/mo
Deposit HK$6.38M · loan HK$14.88M · min. income ≈ HK$159,124/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$875,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,237
−HK$5,470/mo
▼ 0.25% · 3.875%
HK$89,950
−HK$2,757/mo
Today · 4.125%
HK$92,707
baseline
▲ 0.50% · 4.625%
HK$98,348
+HK$5,641/mo
Deposit HK$2.13M · loan HK$19.13M · min. income ≈ HK$185,414/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$875,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,050
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$99,653
−HK$2,640/mo
Today · 4.125%
HK$102,293
baseline
▲ 0.50% · 4.625%
HK$107,685
+HK$5,392/mo
Deposit HK$2.13M · loan HK$19.13M · min. income ≈ HK$204,586/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$875,416 · Scale 2, in force from 26 Feb 2026)