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$48,430
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$49,936
−HK$1,531/mo
Today · 4.125%
HK$51,467
baseline
▲ 0.50% · 4.625%
HK$54,598
+HK$3,131/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$102,934/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$873,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,877
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$55,322
−HK$1,466/mo
Today · 4.125%
HK$56,788
baseline
▲ 0.50% · 4.625%
HK$59,782
+HK$2,994/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$113,576/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$873,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,116
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$59,923
−HK$1,837/mo
Today · 4.125%
HK$61,760
baseline
▲ 0.50% · 4.625%
HK$65,518
+HK$3,758/mo
Deposit HK$8.50M · loan HK$12.74M · min. income ≈ HK$123,520/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$873,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,653
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,387
−HK$1,759/mo
Today · 4.125%
HK$68,146
baseline
▲ 0.50% · 4.625%
HK$71,738
+HK$3,592/mo
Deposit HK$8.50M · loan HK$12.74M · min. income ≈ HK$136,292/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$873,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,801
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$69,910
−HK$2,143/mo
Today · 4.125%
HK$72,053
baseline
▲ 0.50% · 4.625%
HK$76,437
+HK$4,384/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$144,106/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$873,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,428
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$77,451
−HK$2,053/mo
Today · 4.125%
HK$79,504
baseline
▲ 0.50% · 4.625%
HK$83,694
+HK$4,190/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$159,008/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$873,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,173
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$89,885
−HK$2,755/mo
Today · 4.125%
HK$92,640
baseline
▲ 0.50% · 4.625%
HK$98,277
+HK$5,637/mo
Deposit HK$2.12M · loan HK$19.11M · min. income ≈ HK$185,280/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$873,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,979
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$99,580
−HK$2,639/mo
Today · 4.125%
HK$102,219
baseline
▲ 0.50% · 4.625%
HK$107,607
+HK$5,388/mo
Deposit HK$2.12M · loan HK$19.11M · min. income ≈ HK$204,438/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$873,867 · Scale 2, in force from 26 Feb 2026)