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$48,445
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$49,952
−HK$1,531/mo
Today · 4.125%
HK$51,483
baseline
▲ 0.50% · 4.625%
HK$54,616
+HK$3,133/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$102,966/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$874,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,895
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$55,340
−HK$1,467/mo
Today · 4.125%
HK$56,807
baseline
▲ 0.50% · 4.625%
HK$59,801
+HK$2,994/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$113,614/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$874,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,134
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$59,943
−HK$1,837/mo
Today · 4.125%
HK$61,780
baseline
▲ 0.50% · 4.625%
HK$65,539
+HK$3,759/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$123,560/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$874,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,674
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,408
−HK$1,760/mo
Today · 4.125%
HK$68,168
baseline
▲ 0.50% · 4.625%
HK$71,761
+HK$3,593/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$136,336/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$874,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,823
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$69,933
−HK$2,144/mo
Today · 4.125%
HK$72,077
baseline
▲ 0.50% · 4.625%
HK$76,462
+HK$4,385/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$144,154/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$874,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,453
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$77,477
−HK$2,052/mo
Today · 4.125%
HK$79,529
baseline
▲ 0.50% · 4.625%
HK$83,722
+HK$4,193/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$159,058/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$874,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,202
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$89,914
−HK$2,756/mo
Today · 4.125%
HK$92,670
baseline
▲ 0.50% · 4.625%
HK$98,309
+HK$5,639/mo
Deposit HK$2.12M · loan HK$19.12M · min. income ≈ HK$185,340/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$874,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,011
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$99,613
−HK$2,639/mo
Today · 4.125%
HK$102,252
baseline
▲ 0.50% · 4.625%
HK$107,642
+HK$5,390/mo
Deposit HK$2.12M · loan HK$19.12M · min. income ≈ HK$204,504/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$874,557 · Scale 2, in force from 26 Feb 2026)