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$48,428
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$49,934
−HK$1,530/mo
Today · 4.125%
HK$51,464
baseline
▲ 0.50% · 4.625%
HK$54,596
+HK$3,132/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$102,928/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$873,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,875
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$55,320
−HK$1,466/mo
Today · 4.125%
HK$56,786
baseline
▲ 0.50% · 4.625%
HK$59,779
+HK$2,993/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$113,572/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$873,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,113
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$59,921
−HK$1,836/mo
Today · 4.125%
HK$61,757
baseline
▲ 0.50% · 4.625%
HK$65,515
+HK$3,758/mo
Deposit HK$8.50M · loan HK$12.74M · min. income ≈ HK$123,514/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$873,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,650
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,384
−HK$1,759/mo
Today · 4.125%
HK$68,143
baseline
▲ 0.50% · 4.625%
HK$71,735
+HK$3,592/mo
Deposit HK$8.50M · loan HK$12.74M · min. income ≈ HK$136,286/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$873,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,799
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$69,907
−HK$2,143/mo
Today · 4.125%
HK$72,050
baseline
▲ 0.50% · 4.625%
HK$76,434
+HK$4,384/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$144,100/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$873,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,425
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$77,448
−HK$2,052/mo
Today · 4.125%
HK$79,500
baseline
▲ 0.50% · 4.625%
HK$83,691
+HK$4,191/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$159,000/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$873,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,170
−HK$5,466/mo
▼ 0.25% · 3.875%
HK$89,881
−HK$2,755/mo
Today · 4.125%
HK$92,636
baseline
▲ 0.50% · 4.625%
HK$98,273
+HK$5,637/mo
Deposit HK$2.12M · loan HK$19.11M · min. income ≈ HK$185,272/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$873,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,975
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$99,576
−HK$2,639/mo
Today · 4.125%
HK$102,215
baseline
▲ 0.50% · 4.625%
HK$107,602
+HK$5,387/mo
Deposit HK$2.12M · loan HK$19.11M · min. income ≈ HK$204,430/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$873,777 · Scale 2, in force from 26 Feb 2026)