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$48,474
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$49,982
−HK$1,532/mo
Today · 4.125%
HK$51,514
baseline
▲ 0.50% · 4.625%
HK$54,649
+HK$3,135/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$103,028/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$875,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,927
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,374
−HK$1,467/mo
Today · 4.125%
HK$56,841
baseline
▲ 0.50% · 4.625%
HK$59,837
+HK$2,996/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$113,682/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$875,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,169
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$59,979
−HK$1,838/mo
Today · 4.125%
HK$61,817
baseline
▲ 0.50% · 4.625%
HK$65,578
+HK$3,761/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$123,634/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$875,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,713
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$66,448
−HK$1,761/mo
Today · 4.125%
HK$68,209
baseline
▲ 0.50% · 4.625%
HK$71,804
+HK$3,595/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$136,418/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$875,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,864
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$69,975
−HK$2,145/mo
Today · 4.125%
HK$72,120
baseline
▲ 0.50% · 4.625%
HK$76,508
+HK$4,388/mo
Deposit HK$6.38M · loan HK$14.88M · min. income ≈ HK$144,240/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$875,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,498
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$77,523
−HK$2,054/mo
Today · 4.125%
HK$79,577
baseline
▲ 0.50% · 4.625%
HK$83,772
+HK$4,195/mo
Deposit HK$6.38M · loan HK$14.88M · min. income ≈ HK$159,154/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$875,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,254
−HK$5,471/mo
▼ 0.25% · 3.875%
HK$89,968
−HK$2,757/mo
Today · 4.125%
HK$92,725
baseline
▲ 0.50% · 4.625%
HK$98,368
+HK$5,643/mo
Deposit HK$2.13M · loan HK$19.13M · min. income ≈ HK$185,450/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$875,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,069
−HK$5,244/mo
▼ 0.25% · 3.875%
HK$99,672
−HK$2,641/mo
Today · 4.125%
HK$102,313
baseline
▲ 0.50% · 4.625%
HK$107,706
+HK$5,393/mo
Deposit HK$2.13M · loan HK$19.13M · min. income ≈ HK$204,626/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$875,829 · Scale 2, in force from 26 Feb 2026)