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$48,521
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$50,030
−HK$1,534/mo
Today · 4.125%
HK$51,564
baseline
▲ 0.50% · 4.625%
HK$54,701
+HK$3,137/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$103,128/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$877,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,979
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$55,427
−HK$1,468/mo
Today · 4.125%
HK$56,895
baseline
▲ 0.50% · 4.625%
HK$59,894
+HK$2,999/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$113,790/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$877,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,225
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$60,036
−HK$1,840/mo
Today · 4.125%
HK$61,876
baseline
▲ 0.50% · 4.625%
HK$65,641
+HK$3,765/mo
Deposit HK$8.51M · loan HK$12.77M · min. income ≈ HK$123,752/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$877,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,775
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$66,512
−HK$1,762/mo
Today · 4.125%
HK$68,274
baseline
▲ 0.50% · 4.625%
HK$71,873
+HK$3,599/mo
Deposit HK$8.51M · loan HK$12.77M · min. income ≈ HK$136,548/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$877,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,929
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$70,042
−HK$2,147/mo
Today · 4.125%
HK$72,189
baseline
▲ 0.50% · 4.625%
HK$76,582
+HK$4,393/mo
Deposit HK$6.38M · loan HK$14.90M · min. income ≈ HK$144,378/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$877,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,571
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$77,597
−HK$2,056/mo
Today · 4.125%
HK$79,653
baseline
▲ 0.50% · 4.625%
HK$83,852
+HK$4,199/mo
Deposit HK$6.38M · loan HK$14.90M · min. income ≈ HK$159,306/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$877,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,338
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$90,054
−HK$2,760/mo
Today · 4.125%
HK$92,814
baseline
▲ 0.50% · 4.625%
HK$98,462
+HK$5,648/mo
Deposit HK$2.13M · loan HK$19.15M · min. income ≈ HK$185,628/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$877,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,162
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$99,768
−HK$2,644/mo
Today · 4.125%
HK$102,412
baseline
▲ 0.50% · 4.625%
HK$107,810
+HK$5,398/mo
Deposit HK$2.13M · loan HK$19.15M · min. income ≈ HK$204,824/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$877,871 · Scale 2, in force from 26 Feb 2026)