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$48,403
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,909
−HK$1,529/mo
Today · 4.125%
HK$51,438
baseline
▲ 0.50% · 4.625%
HK$54,568
+HK$3,130/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$102,876/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$872,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,848
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$55,292
−HK$1,465/mo
Today · 4.125%
HK$56,757
baseline
▲ 0.50% · 4.625%
HK$59,749
+HK$2,992/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$113,514/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$872,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,084
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,890
−HK$1,836/mo
Today · 4.125%
HK$61,726
baseline
▲ 0.50% · 4.625%
HK$65,482
+HK$3,756/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$123,452/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$872,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,618
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,351
−HK$1,758/mo
Today · 4.125%
HK$68,109
baseline
▲ 0.50% · 4.625%
HK$71,699
+HK$3,590/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$136,218/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$872,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,764
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$69,872
−HK$2,142/mo
Today · 4.125%
HK$72,014
baseline
▲ 0.50% · 4.625%
HK$76,396
+HK$4,382/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$144,028/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$872,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,387
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$77,409
−HK$2,051/mo
Today · 4.125%
HK$79,460
baseline
▲ 0.50% · 4.625%
HK$83,649
+HK$4,189/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$158,920/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$872,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,126
−HK$5,463/mo
▼ 0.25% · 3.875%
HK$89,836
−HK$2,753/mo
Today · 4.125%
HK$92,589
baseline
▲ 0.50% · 4.625%
HK$98,223
+HK$5,634/mo
Deposit HK$2.12M · loan HK$19.10M · min. income ≈ HK$185,178/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$872,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,926
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$99,526
−HK$2,637/mo
Today · 4.125%
HK$102,163
baseline
▲ 0.50% · 4.625%
HK$107,548
+HK$5,385/mo
Deposit HK$2.12M · loan HK$19.10M · min. income ≈ HK$204,326/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$872,704 · Scale 2, in force from 26 Feb 2026)