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$48,411
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$49,917
−HK$1,530/mo
Today · 4.125%
HK$51,447
baseline
▲ 0.50% · 4.625%
HK$54,578
+HK$3,131/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$102,894/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$873,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,857
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,302
−HK$1,465/mo
Today · 4.125%
HK$56,767
baseline
▲ 0.50% · 4.625%
HK$59,759
+HK$2,992/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$113,534/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$873,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,094
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$59,901
−HK$1,836/mo
Today · 4.125%
HK$61,737
baseline
▲ 0.50% · 4.625%
HK$65,493
+HK$3,756/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$123,474/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$873,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,629
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,362
−HK$1,758/mo
Today · 4.125%
HK$68,120
baseline
▲ 0.50% · 4.625%
HK$71,711
+HK$3,591/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$136,240/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$873,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,776
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$69,884
−HK$2,142/mo
Today · 4.125%
HK$72,026
baseline
▲ 0.50% · 4.625%
HK$76,409
+HK$4,383/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$144,052/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$873,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,400
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$77,422
−HK$2,052/mo
Today · 4.125%
HK$79,474
baseline
▲ 0.50% · 4.625%
HK$83,663
+HK$4,189/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$158,948/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$873,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,141
−HK$5,464/mo
▼ 0.25% · 3.875%
HK$89,851
−HK$2,754/mo
Today · 4.125%
HK$92,605
baseline
▲ 0.50% · 4.625%
HK$98,240
+HK$5,635/mo
Deposit HK$2.12M · loan HK$19.11M · min. income ≈ HK$185,210/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$873,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,943
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$99,543
−HK$2,638/mo
Today · 4.125%
HK$102,181
baseline
▲ 0.50% · 4.625%
HK$107,567
+HK$5,386/mo
Deposit HK$2.12M · loan HK$19.11M · min. income ≈ HK$204,362/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$873,070 · Scale 2, in force from 26 Feb 2026)