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$48,399
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,905
−HK$1,529/mo
Today · 4.125%
HK$51,434
baseline
▲ 0.50% · 4.625%
HK$54,564
+HK$3,130/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$102,868/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$872,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,844
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$55,288
−HK$1,465/mo
Today · 4.125%
HK$56,753
baseline
▲ 0.50% · 4.625%
HK$59,744
+HK$2,991/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$113,506/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$872,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,079
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,886
−HK$1,835/mo
Today · 4.125%
HK$61,721
baseline
▲ 0.50% · 4.625%
HK$65,477
+HK$3,756/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$123,442/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$872,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,612
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,345
−HK$1,758/mo
Today · 4.125%
HK$68,103
baseline
▲ 0.50% · 4.625%
HK$71,693
+HK$3,590/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$136,206/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$872,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,759
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$69,867
−HK$2,141/mo
Today · 4.125%
HK$72,008
baseline
▲ 0.50% · 4.625%
HK$76,390
+HK$4,382/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$144,016/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$872,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,381
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$77,403
−HK$2,051/mo
Today · 4.125%
HK$79,454
baseline
▲ 0.50% · 4.625%
HK$83,642
+HK$4,188/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$158,908/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$872,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,119
−HK$5,463/mo
▼ 0.25% · 3.875%
HK$89,829
−HK$2,753/mo
Today · 4.125%
HK$92,582
baseline
▲ 0.50% · 4.625%
HK$98,215
+HK$5,633/mo
Deposit HK$2.12M · loan HK$19.10M · min. income ≈ HK$185,164/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$872,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,919
−HK$5,236/mo
▼ 0.25% · 3.875%
HK$99,518
−HK$2,637/mo
Today · 4.125%
HK$102,155
baseline
▲ 0.50% · 4.625%
HK$107,540
+HK$5,385/mo
Deposit HK$2.12M · loan HK$19.10M · min. income ≈ HK$204,310/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$872,536 · Scale 2, in force from 26 Feb 2026)