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$48,450
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$49,957
−HK$1,531/mo
Today · 4.125%
HK$51,488
baseline
▲ 0.50% · 4.625%
HK$54,621
+HK$3,133/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$102,976/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$874,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,900
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$55,345
−HK$1,467/mo
Today · 4.125%
HK$56,812
baseline
▲ 0.50% · 4.625%
HK$59,806
+HK$2,994/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$113,624/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$874,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,140
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,948
−HK$1,837/mo
Today · 4.125%
HK$61,785
baseline
▲ 0.50% · 4.625%
HK$65,545
+HK$3,760/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$123,570/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$874,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,680
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,414
−HK$1,760/mo
Today · 4.125%
HK$68,174
baseline
▲ 0.50% · 4.625%
HK$71,768
+HK$3,594/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$136,348/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$874,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,829
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$69,939
−HK$2,144/mo
Today · 4.125%
HK$72,083
baseline
▲ 0.50% · 4.625%
HK$76,469
+HK$4,386/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$144,166/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$874,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,460
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$77,483
−HK$2,053/mo
Today · 4.125%
HK$79,536
baseline
▲ 0.50% · 4.625%
HK$83,729
+HK$4,193/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$159,072/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$874,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,209
−HK$5,469/mo
▼ 0.25% · 3.875%
HK$89,922
−HK$2,756/mo
Today · 4.125%
HK$92,678
baseline
▲ 0.50% · 4.625%
HK$98,317
+HK$5,639/mo
Deposit HK$2.12M · loan HK$19.12M · min. income ≈ HK$185,356/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$874,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,020
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$99,622
−HK$2,639/mo
Today · 4.125%
HK$102,261
baseline
▲ 0.50% · 4.625%
HK$107,652
+HK$5,391/mo
Deposit HK$2.12M · loan HK$19.12M · min. income ≈ HK$204,522/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$874,746 · Scale 2, in force from 26 Feb 2026)