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$48,437
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$49,943
−HK$1,531/mo
Today · 4.125%
HK$51,474
baseline
▲ 0.50% · 4.625%
HK$54,606
+HK$3,132/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$102,948/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$874,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,885
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$55,331
−HK$1,466/mo
Today · 4.125%
HK$56,797
baseline
▲ 0.50% · 4.625%
HK$59,790
+HK$2,993/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$113,594/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$874,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,124
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,932
−HK$1,837/mo
Today · 4.125%
HK$61,769
baseline
▲ 0.50% · 4.625%
HK$65,527
+HK$3,758/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$123,538/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$874,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,662
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,397
−HK$1,759/mo
Today · 4.125%
HK$68,156
baseline
▲ 0.50% · 4.625%
HK$71,749
+HK$3,593/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$136,312/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$874,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,811
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$69,921
−HK$2,143/mo
Today · 4.125%
HK$72,064
baseline
▲ 0.50% · 4.625%
HK$76,449
+HK$4,385/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$144,128/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$874,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,440
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$77,463
−HK$2,052/mo
Today · 4.125%
HK$79,515
baseline
▲ 0.50% · 4.625%
HK$83,707
+HK$4,192/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$159,030/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$874,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,186
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$89,898
−HK$2,755/mo
Today · 4.125%
HK$92,653
baseline
▲ 0.50% · 4.625%
HK$98,291
+HK$5,638/mo
Deposit HK$2.12M · loan HK$19.12M · min. income ≈ HK$185,306/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$874,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,994
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$99,595
−HK$2,639/mo
Today · 4.125%
HK$102,234
baseline
▲ 0.50% · 4.625%
HK$107,623
+HK$5,389/mo
Deposit HK$2.12M · loan HK$19.12M · min. income ≈ HK$204,468/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$874,180 · Scale 2, in force from 26 Feb 2026)