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$48,392
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,898
−HK$1,529/mo
Today · 4.125%
HK$51,427
baseline
▲ 0.50% · 4.625%
HK$54,556
+HK$3,129/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$102,854/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$872,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,836
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$55,280
−HK$1,465/mo
Today · 4.125%
HK$56,745
baseline
▲ 0.50% · 4.625%
HK$59,736
+HK$2,991/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$113,490/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$872,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,071
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,877
−HK$1,836/mo
Today · 4.125%
HK$61,713
baseline
▲ 0.50% · 4.625%
HK$65,468
+HK$3,755/mo
Deposit HK$8.49M · loan HK$12.73M · min. income ≈ HK$123,426/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$872,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,603
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,336
−HK$1,758/mo
Today · 4.125%
HK$68,094
baseline
▲ 0.50% · 4.625%
HK$71,683
+HK$3,589/mo
Deposit HK$8.49M · loan HK$12.73M · min. income ≈ HK$136,188/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$872,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,749
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$69,857
−HK$2,141/mo
Today · 4.125%
HK$71,998
baseline
▲ 0.50% · 4.625%
HK$76,379
+HK$4,381/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$143,996/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$872,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,371
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$77,392
−HK$2,051/mo
Today · 4.125%
HK$79,443
baseline
▲ 0.50% · 4.625%
HK$83,630
+HK$4,187/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$158,886/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$872,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,106
−HK$5,463/mo
▼ 0.25% · 3.875%
HK$89,816
−HK$2,753/mo
Today · 4.125%
HK$92,569
baseline
▲ 0.50% · 4.625%
HK$98,201
+HK$5,632/mo
Deposit HK$2.12M · loan HK$19.10M · min. income ≈ HK$185,138/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$872,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,905
−HK$5,236/mo
▼ 0.25% · 3.875%
HK$99,504
−HK$2,637/mo
Today · 4.125%
HK$102,141
baseline
▲ 0.50% · 4.625%
HK$107,525
+HK$5,384/mo
Deposit HK$2.12M · loan HK$19.10M · min. income ≈ HK$204,282/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$872,240 · Scale 2, in force from 26 Feb 2026)