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$48,399
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,904
−HK$1,530/mo
Today · 4.125%
HK$51,434
baseline
▲ 0.50% · 4.625%
HK$54,563
+HK$3,129/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$102,868/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$872,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,843
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$55,287
−HK$1,465/mo
Today · 4.125%
HK$56,752
baseline
▲ 0.50% · 4.625%
HK$59,743
+HK$2,991/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$113,504/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$872,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,078
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,885
−HK$1,835/mo
Today · 4.125%
HK$61,720
baseline
▲ 0.50% · 4.625%
HK$65,476
+HK$3,756/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$123,440/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$872,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,612
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$66,344
−HK$1,758/mo
Today · 4.125%
HK$68,102
baseline
▲ 0.50% · 4.625%
HK$71,692
+HK$3,590/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$136,204/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$872,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,758
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$69,866
−HK$2,141/mo
Today · 4.125%
HK$72,007
baseline
▲ 0.50% · 4.625%
HK$76,388
+HK$4,381/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$144,014/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$872,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,380
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$77,402
−HK$2,051/mo
Today · 4.125%
HK$79,453
baseline
▲ 0.50% · 4.625%
HK$83,641
+HK$4,188/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$158,906/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$872,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,117
−HK$5,463/mo
▼ 0.25% · 3.875%
HK$89,827
−HK$2,753/mo
Today · 4.125%
HK$92,580
baseline
▲ 0.50% · 4.625%
HK$98,214
+HK$5,634/mo
Deposit HK$2.12M · loan HK$19.10M · min. income ≈ HK$185,160/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$872,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,917
−HK$5,236/mo
▼ 0.25% · 3.875%
HK$99,517
−HK$2,636/mo
Today · 4.125%
HK$102,153
baseline
▲ 0.50% · 4.625%
HK$107,538
+HK$5,385/mo
Deposit HK$2.12M · loan HK$19.10M · min. income ≈ HK$204,306/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$872,506 · Scale 2, in force from 26 Feb 2026)