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$48,476
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$49,984
−HK$1,532/mo
Today · 4.125%
HK$51,516
baseline
▲ 0.50% · 4.625%
HK$54,650
+HK$3,134/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$103,032/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$875,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,929
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$55,375
−HK$1,467/mo
Today · 4.125%
HK$56,842
baseline
▲ 0.50% · 4.625%
HK$59,839
+HK$2,997/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$113,684/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$875,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,171
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$59,980
−HK$1,839/mo
Today · 4.125%
HK$61,819
baseline
▲ 0.50% · 4.625%
HK$65,580
+HK$3,761/mo
Deposit HK$8.50M · loan HK$12.76M · min. income ≈ HK$123,638/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$875,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,715
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$66,450
−HK$1,761/mo
Today · 4.125%
HK$68,211
baseline
▲ 0.50% · 4.625%
HK$71,806
+HK$3,595/mo
Deposit HK$8.50M · loan HK$12.76M · min. income ≈ HK$136,422/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$875,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,866
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$69,977
−HK$2,145/mo
Today · 4.125%
HK$72,122
baseline
▲ 0.50% · 4.625%
HK$76,510
+HK$4,388/mo
Deposit HK$6.38M · loan HK$14.88M · min. income ≈ HK$144,244/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$875,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,500
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$77,525
−HK$2,054/mo
Today · 4.125%
HK$79,579
baseline
▲ 0.50% · 4.625%
HK$83,774
+HK$4,195/mo
Deposit HK$6.38M · loan HK$14.88M · min. income ≈ HK$159,158/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$875,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,256
−HK$5,472/mo
▼ 0.25% · 3.875%
HK$89,971
−HK$2,757/mo
Today · 4.125%
HK$92,728
baseline
▲ 0.50% · 4.625%
HK$98,370
+HK$5,642/mo
Deposit HK$2.13M · loan HK$19.13M · min. income ≈ HK$185,456/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$875,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,072
−HK$5,244/mo
▼ 0.25% · 3.875%
HK$99,675
−HK$2,641/mo
Today · 4.125%
HK$102,316
baseline
▲ 0.50% · 4.625%
HK$107,710
+HK$5,394/mo
Deposit HK$2.13M · loan HK$19.13M · min. income ≈ HK$204,632/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$875,891 · Scale 2, in force from 26 Feb 2026)