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$48,485
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$49,993
−HK$1,533/mo
Today · 4.125%
HK$51,526
baseline
▲ 0.50% · 4.625%
HK$54,661
+HK$3,135/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$103,052/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$876,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,939
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,386
−HK$1,467/mo
Today · 4.125%
HK$56,853
baseline
▲ 0.50% · 4.625%
HK$59,850
+HK$2,997/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$113,706/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$876,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,182
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$59,992
−HK$1,839/mo
Today · 4.125%
HK$61,831
baseline
▲ 0.50% · 4.625%
HK$65,593
+HK$3,762/mo
Deposit HK$8.51M · loan HK$12.76M · min. income ≈ HK$123,662/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$876,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,727
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$66,463
−HK$1,761/mo
Today · 4.125%
HK$68,224
baseline
▲ 0.50% · 4.625%
HK$71,820
+HK$3,596/mo
Deposit HK$8.51M · loan HK$12.76M · min. income ≈ HK$136,448/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$876,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,879
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$69,991
−HK$2,145/mo
Today · 4.125%
HK$72,136
baseline
▲ 0.50% · 4.625%
HK$76,525
+HK$4,389/mo
Deposit HK$6.38M · loan HK$14.88M · min. income ≈ HK$144,272/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$876,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,515
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$77,540
−HK$2,055/mo
Today · 4.125%
HK$79,595
baseline
▲ 0.50% · 4.625%
HK$83,790
+HK$4,195/mo
Deposit HK$6.38M · loan HK$14.88M · min. income ≈ HK$159,190/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$876,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,273
−HK$5,473/mo
▼ 0.25% · 3.875%
HK$89,988
−HK$2,758/mo
Today · 4.125%
HK$92,746
baseline
▲ 0.50% · 4.625%
HK$98,389
+HK$5,643/mo
Deposit HK$2.13M · loan HK$19.14M · min. income ≈ HK$185,492/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$876,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,091
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$99,695
−HK$2,641/mo
Today · 4.125%
HK$102,336
baseline
▲ 0.50% · 4.625%
HK$107,730
+HK$5,394/mo
Deposit HK$2.13M · loan HK$19.14M · min. income ≈ HK$204,672/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$876,303 · Scale 2, in force from 26 Feb 2026)