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$48,446
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$49,953
−HK$1,531/mo
Today · 4.125%
HK$51,484
baseline
▲ 0.50% · 4.625%
HK$54,617
+HK$3,133/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$102,968/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$874,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,896
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$55,341
−HK$1,467/mo
Today · 4.125%
HK$56,808
baseline
▲ 0.50% · 4.625%
HK$59,802
+HK$2,994/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$113,616/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$874,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,135
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$59,944
−HK$1,837/mo
Today · 4.125%
HK$61,781
baseline
▲ 0.50% · 4.625%
HK$65,540
+HK$3,759/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$123,562/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$874,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,675
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,410
−HK$1,759/mo
Today · 4.125%
HK$68,169
baseline
▲ 0.50% · 4.625%
HK$71,762
+HK$3,593/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$136,338/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$874,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,825
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$69,934
−HK$2,144/mo
Today · 4.125%
HK$72,078
baseline
▲ 0.50% · 4.625%
HK$76,464
+HK$4,386/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$144,156/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$874,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,454
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$77,478
−HK$2,053/mo
Today · 4.125%
HK$79,531
baseline
▲ 0.50% · 4.625%
HK$83,723
+HK$4,192/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$159,062/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$874,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,203
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$89,916
−HK$2,755/mo
Today · 4.125%
HK$92,671
baseline
▲ 0.50% · 4.625%
HK$98,310
+HK$5,639/mo
Deposit HK$2.12M · loan HK$19.12M · min. income ≈ HK$185,342/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$874,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,012
−HK$5,242/mo
▼ 0.25% · 3.875%
HK$99,614
−HK$2,640/mo
Today · 4.125%
HK$102,254
baseline
▲ 0.50% · 4.625%
HK$107,644
+HK$5,390/mo
Deposit HK$2.12M · loan HK$19.12M · min. income ≈ HK$204,508/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$874,591 · Scale 2, in force from 26 Feb 2026)