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$48,432
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$49,939
−HK$1,530/mo
Today · 4.125%
HK$51,469
baseline
▲ 0.50% · 4.625%
HK$54,601
+HK$3,132/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$102,938/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$873,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,880
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$55,325
−HK$1,466/mo
Today · 4.125%
HK$56,791
baseline
▲ 0.50% · 4.625%
HK$59,785
+HK$2,994/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$113,582/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$873,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,119
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$59,926
−HK$1,837/mo
Today · 4.125%
HK$61,763
baseline
▲ 0.50% · 4.625%
HK$65,521
+HK$3,758/mo
Deposit HK$8.50M · loan HK$12.74M · min. income ≈ HK$123,526/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$873,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,656
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,390
−HK$1,759/mo
Today · 4.125%
HK$68,149
baseline
▲ 0.50% · 4.625%
HK$71,742
+HK$3,593/mo
Deposit HK$8.50M · loan HK$12.74M · min. income ≈ HK$136,298/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$873,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,805
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$69,914
−HK$2,143/mo
Today · 4.125%
HK$72,057
baseline
▲ 0.50% · 4.625%
HK$76,441
+HK$4,384/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$144,114/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$873,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,432
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$77,455
−HK$2,053/mo
Today · 4.125%
HK$79,508
baseline
▲ 0.50% · 4.625%
HK$83,699
+HK$4,191/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$159,016/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$873,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,178
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$89,890
−HK$2,755/mo
Today · 4.125%
HK$92,645
baseline
▲ 0.50% · 4.625%
HK$98,282
+HK$5,637/mo
Deposit HK$2.12M · loan HK$19.12M · min. income ≈ HK$185,290/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$873,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,984
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$99,585
−HK$2,639/mo
Today · 4.125%
HK$102,224
baseline
▲ 0.50% · 4.625%
HK$107,613
+HK$5,389/mo
Deposit HK$2.12M · loan HK$19.12M · min. income ≈ HK$204,448/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$873,977 · Scale 2, in force from 26 Feb 2026)