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$48,402
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,908
−HK$1,529/mo
Today · 4.125%
HK$51,437
baseline
▲ 0.50% · 4.625%
HK$54,567
+HK$3,130/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$102,874/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$872,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,847
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$55,291
−HK$1,465/mo
Today · 4.125%
HK$56,756
baseline
▲ 0.50% · 4.625%
HK$59,748
+HK$2,992/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$113,512/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$872,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,082
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$59,889
−HK$1,836/mo
Today · 4.125%
HK$61,725
baseline
▲ 0.50% · 4.625%
HK$65,481
+HK$3,756/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$123,450/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$872,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,616
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,349
−HK$1,758/mo
Today · 4.125%
HK$68,107
baseline
▲ 0.50% · 4.625%
HK$71,697
+HK$3,590/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$136,214/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$872,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,763
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$69,871
−HK$2,141/mo
Today · 4.125%
HK$72,012
baseline
▲ 0.50% · 4.625%
HK$76,394
+HK$4,382/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$144,024/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$872,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,386
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$77,407
−HK$2,051/mo
Today · 4.125%
HK$79,458
baseline
▲ 0.50% · 4.625%
HK$83,647
+HK$4,189/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$158,916/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$872,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,124
−HK$5,463/mo
▼ 0.25% · 3.875%
HK$89,834
−HK$2,753/mo
Today · 4.125%
HK$92,587
baseline
▲ 0.50% · 4.625%
HK$98,221
+HK$5,634/mo
Deposit HK$2.12M · loan HK$19.10M · min. income ≈ HK$185,174/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$872,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,924
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$99,524
−HK$2,637/mo
Today · 4.125%
HK$102,161
baseline
▲ 0.50% · 4.625%
HK$107,546
+HK$5,385/mo
Deposit HK$2.12M · loan HK$19.10M · min. income ≈ HK$204,322/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$872,658 · Scale 2, in force from 26 Feb 2026)