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$48,466
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$49,973
−HK$1,532/mo
Today · 4.125%
HK$51,505
baseline
▲ 0.50% · 4.625%
HK$54,639
+HK$3,134/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$103,010/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$875,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,918
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$55,364
−HK$1,467/mo
Today · 4.125%
HK$56,831
baseline
▲ 0.50% · 4.625%
HK$59,826
+HK$2,995/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$113,662/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$875,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,159
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$59,968
−HK$1,838/mo
Today · 4.125%
HK$61,806
baseline
▲ 0.50% · 4.625%
HK$65,567
+HK$3,761/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$123,612/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$875,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,701
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$66,437
−HK$1,760/mo
Today · 4.125%
HK$68,197
baseline
▲ 0.50% · 4.625%
HK$71,792
+HK$3,595/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$136,394/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$875,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,852
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$69,963
−HK$2,144/mo
Today · 4.125%
HK$72,107
baseline
▲ 0.50% · 4.625%
HK$76,495
+HK$4,388/mo
Deposit HK$6.38M · loan HK$14.88M · min. income ≈ HK$144,214/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$875,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,485
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$77,509
−HK$2,054/mo
Today · 4.125%
HK$79,563
baseline
▲ 0.50% · 4.625%
HK$83,757
+HK$4,194/mo
Deposit HK$6.38M · loan HK$14.88M · min. income ≈ HK$159,126/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$875,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,238
−HK$5,471/mo
▼ 0.25% · 3.875%
HK$89,952
−HK$2,757/mo
Today · 4.125%
HK$92,709
baseline
▲ 0.50% · 4.625%
HK$98,350
+HK$5,641/mo
Deposit HK$2.13M · loan HK$19.13M · min. income ≈ HK$185,418/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$875,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,052
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$99,655
−HK$2,640/mo
Today · 4.125%
HK$102,295
baseline
▲ 0.50% · 4.625%
HK$107,687
+HK$5,392/mo
Deposit HK$2.13M · loan HK$19.13M · min. income ≈ HK$204,590/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$875,454 · Scale 2, in force from 26 Feb 2026)