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$48,452
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$49,959
−HK$1,531/mo
Today · 4.125%
HK$51,490
baseline
▲ 0.50% · 4.625%
HK$54,623
+HK$3,133/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$102,980/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$874,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,902
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$55,348
−HK$1,466/mo
Today · 4.125%
HK$56,814
baseline
▲ 0.50% · 4.625%
HK$59,809
+HK$2,995/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$113,628/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$874,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,142
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$59,950
−HK$1,838/mo
Today · 4.125%
HK$61,788
baseline
▲ 0.50% · 4.625%
HK$65,548
+HK$3,760/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$123,576/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$874,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,682
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$66,417
−HK$1,760/mo
Today · 4.125%
HK$68,177
baseline
▲ 0.50% · 4.625%
HK$71,771
+HK$3,594/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$136,354/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$874,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,832
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$69,942
−HK$2,144/mo
Today · 4.125%
HK$72,086
baseline
▲ 0.50% · 4.625%
HK$76,472
+HK$4,386/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$144,172/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$874,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,463
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$77,487
−HK$2,053/mo
Today · 4.125%
HK$79,540
baseline
▲ 0.50% · 4.625%
HK$83,732
+HK$4,192/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$159,080/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$874,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,213
−HK$5,469/mo
▼ 0.25% · 3.875%
HK$89,926
−HK$2,756/mo
Today · 4.125%
HK$92,682
baseline
▲ 0.50% · 4.625%
HK$98,321
+HK$5,639/mo
Deposit HK$2.12M · loan HK$19.12M · min. income ≈ HK$185,364/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$874,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,023
−HK$5,242/mo
▼ 0.25% · 3.875%
HK$99,626
−HK$2,639/mo
Today · 4.125%
HK$102,265
baseline
▲ 0.50% · 4.625%
HK$107,656
+HK$5,391/mo
Deposit HK$2.12M · loan HK$19.12M · min. income ≈ HK$204,530/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$874,831 · Scale 2, in force from 26 Feb 2026)