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$48,471
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$49,979
−HK$1,531/mo
Today · 4.125%
HK$51,510
baseline
▲ 0.50% · 4.625%
HK$54,645
+HK$3,135/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$103,020/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$875,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,923
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,370
−HK$1,467/mo
Today · 4.125%
HK$56,837
baseline
▲ 0.50% · 4.625%
HK$59,833
+HK$2,996/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$113,674/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$875,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,165
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$59,974
−HK$1,839/mo
Today · 4.125%
HK$61,813
baseline
▲ 0.50% · 4.625%
HK$65,574
+HK$3,761/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$123,626/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$875,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,708
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$66,443
−HK$1,761/mo
Today · 4.125%
HK$68,204
baseline
▲ 0.50% · 4.625%
HK$71,799
+HK$3,595/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$136,408/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$875,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,859
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$69,970
−HK$2,145/mo
Today · 4.125%
HK$72,115
baseline
▲ 0.50% · 4.625%
HK$76,503
+HK$4,388/mo
Deposit HK$6.38M · loan HK$14.88M · min. income ≈ HK$144,230/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$875,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,493
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$77,517
−HK$2,054/mo
Today · 4.125%
HK$79,571
baseline
▲ 0.50% · 4.625%
HK$83,766
+HK$4,195/mo
Deposit HK$6.38M · loan HK$14.88M · min. income ≈ HK$159,142/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$875,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,248
−HK$5,471/mo
▼ 0.25% · 3.875%
HK$89,962
−HK$2,757/mo
Today · 4.125%
HK$92,719
baseline
▲ 0.50% · 4.625%
HK$98,361
+HK$5,642/mo
Deposit HK$2.13M · loan HK$19.13M · min. income ≈ HK$185,438/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$875,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,062
−HK$5,244/mo
▼ 0.25% · 3.875%
HK$99,665
−HK$2,641/mo
Today · 4.125%
HK$102,306
baseline
▲ 0.50% · 4.625%
HK$107,699
+HK$5,393/mo
Deposit HK$2.13M · loan HK$19.13M · min. income ≈ HK$204,612/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$875,678 · Scale 2, in force from 26 Feb 2026)