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$48,456
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$49,964
−HK$1,531/mo
Today · 4.125%
HK$51,495
baseline
▲ 0.50% · 4.625%
HK$54,628
+HK$3,133/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$102,990/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$875,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,907
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$55,353
−HK$1,467/mo
Today · 4.125%
HK$56,820
baseline
▲ 0.50% · 4.625%
HK$59,815
+HK$2,995/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$113,640/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$875,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,148
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$59,956
−HK$1,838/mo
Today · 4.125%
HK$61,794
baseline
▲ 0.50% · 4.625%
HK$65,554
+HK$3,760/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$123,588/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$875,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,689
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,423
−HK$1,760/mo
Today · 4.125%
HK$68,183
baseline
▲ 0.50% · 4.625%
HK$71,777
+HK$3,594/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$136,366/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$875,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,839
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$69,949
−HK$2,144/mo
Today · 4.125%
HK$72,093
baseline
▲ 0.50% · 4.625%
HK$76,480
+HK$4,387/mo
Deposit HK$6.38M · loan HK$14.88M · min. income ≈ HK$144,186/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$875,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,470
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$77,494
−HK$2,053/mo
Today · 4.125%
HK$79,547
baseline
▲ 0.50% · 4.625%
HK$83,740
+HK$4,193/mo
Deposit HK$6.38M · loan HK$14.88M · min. income ≈ HK$159,094/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$875,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,221
−HK$5,470/mo
▼ 0.25% · 3.875%
HK$89,934
−HK$2,757/mo
Today · 4.125%
HK$92,691
baseline
▲ 0.50% · 4.625%
HK$98,331
+HK$5,640/mo
Deposit HK$2.13M · loan HK$19.13M · min. income ≈ HK$185,382/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$875,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,033
−HK$5,242/mo
▼ 0.25% · 3.875%
HK$99,635
−HK$2,640/mo
Today · 4.125%
HK$102,275
baseline
▲ 0.50% · 4.625%
HK$107,666
+HK$5,391/mo
Deposit HK$2.13M · loan HK$19.13M · min. income ≈ HK$204,550/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$875,036 · Scale 2, in force from 26 Feb 2026)