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$48,474
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$49,981
−HK$1,532/mo
Today · 4.125%
HK$51,513
baseline
▲ 0.50% · 4.625%
HK$54,648
+HK$3,135/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$103,026/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$875,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,926
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,373
−HK$1,467/mo
Today · 4.125%
HK$56,840
baseline
▲ 0.50% · 4.625%
HK$59,836
+HK$2,996/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$113,680/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$875,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,168
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$59,978
−HK$1,838/mo
Today · 4.125%
HK$61,816
baseline
▲ 0.50% · 4.625%
HK$65,577
+HK$3,761/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$123,632/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$875,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,712
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$66,447
−HK$1,761/mo
Today · 4.125%
HK$68,208
baseline
▲ 0.50% · 4.625%
HK$71,803
+HK$3,595/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$136,416/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$875,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,863
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$69,974
−HK$2,145/mo
Today · 4.125%
HK$72,119
baseline
▲ 0.50% · 4.625%
HK$76,507
+HK$4,388/mo
Deposit HK$6.38M · loan HK$14.88M · min. income ≈ HK$144,238/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$875,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,497
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$77,522
−HK$2,054/mo
Today · 4.125%
HK$79,576
baseline
▲ 0.50% · 4.625%
HK$83,770
+HK$4,194/mo
Deposit HK$6.38M · loan HK$14.88M · min. income ≈ HK$159,152/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$875,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,252
−HK$5,472/mo
▼ 0.25% · 3.875%
HK$89,966
−HK$2,758/mo
Today · 4.125%
HK$92,724
baseline
▲ 0.50% · 4.625%
HK$98,366
+HK$5,642/mo
Deposit HK$2.13M · loan HK$19.13M · min. income ≈ HK$185,448/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$875,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,067
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$99,671
−HK$2,641/mo
Today · 4.125%
HK$102,312
baseline
▲ 0.50% · 4.625%
HK$107,705
+HK$5,393/mo
Deposit HK$2.13M · loan HK$19.13M · min. income ≈ HK$204,624/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$875,795 · Scale 2, in force from 26 Feb 2026)