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$48,411
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,917
−HK$1,529/mo
Today · 4.125%
HK$51,446
baseline
▲ 0.50% · 4.625%
HK$54,577
+HK$3,131/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$102,892/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$873,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,856
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,301
−HK$1,465/mo
Today · 4.125%
HK$56,766
baseline
▲ 0.50% · 4.625%
HK$59,758
+HK$2,992/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$113,532/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$873,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,093
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$59,900
−HK$1,836/mo
Today · 4.125%
HK$61,736
baseline
▲ 0.50% · 4.625%
HK$65,492
+HK$3,756/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$123,472/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$873,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,628
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,361
−HK$1,758/mo
Today · 4.125%
HK$68,119
baseline
▲ 0.50% · 4.625%
HK$71,710
+HK$3,591/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$136,238/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$873,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,775
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$69,883
−HK$2,142/mo
Today · 4.125%
HK$72,025
baseline
▲ 0.50% · 4.625%
HK$76,408
+HK$4,383/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$144,050/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$873,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,399
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$77,421
−HK$2,051/mo
Today · 4.125%
HK$79,472
baseline
▲ 0.50% · 4.625%
HK$83,662
+HK$4,190/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$158,944/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$873,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,139
−HK$5,465/mo
▼ 0.25% · 3.875%
HK$89,850
−HK$2,754/mo
Today · 4.125%
HK$92,604
baseline
▲ 0.50% · 4.625%
HK$98,238
+HK$5,634/mo
Deposit HK$2.12M · loan HK$19.11M · min. income ≈ HK$185,208/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$873,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,941
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$99,541
−HK$2,638/mo
Today · 4.125%
HK$102,179
baseline
▲ 0.50% · 4.625%
HK$107,565
+HK$5,386/mo
Deposit HK$2.12M · loan HK$19.11M · min. income ≈ HK$204,358/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$873,036 · Scale 2, in force from 26 Feb 2026)