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$48,414
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$49,920
−HK$1,530/mo
Today · 4.125%
HK$51,450
baseline
▲ 0.50% · 4.625%
HK$54,580
+HK$3,130/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$102,900/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$873,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,860
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,304
−HK$1,466/mo
Today · 4.125%
HK$56,770
baseline
▲ 0.50% · 4.625%
HK$59,762
+HK$2,992/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$113,540/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$873,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,097
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$59,904
−HK$1,836/mo
Today · 4.125%
HK$61,740
baseline
▲ 0.50% · 4.625%
HK$65,497
+HK$3,757/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$123,480/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$873,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,632
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$66,365
−HK$1,759/mo
Today · 4.125%
HK$68,124
baseline
▲ 0.50% · 4.625%
HK$71,715
+HK$3,591/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$136,248/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$873,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,779
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$69,888
−HK$2,142/mo
Today · 4.125%
HK$72,030
baseline
▲ 0.50% · 4.625%
HK$76,413
+HK$4,383/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$144,060/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$873,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,404
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$77,426
−HK$2,052/mo
Today · 4.125%
HK$79,478
baseline
▲ 0.50% · 4.625%
HK$83,667
+HK$4,189/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$158,956/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$873,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,145
−HK$5,465/mo
▼ 0.25% · 3.875%
HK$89,856
−HK$2,754/mo
Today · 4.125%
HK$92,610
baseline
▲ 0.50% · 4.625%
HK$98,245
+HK$5,635/mo
Deposit HK$2.12M · loan HK$19.11M · min. income ≈ HK$185,220/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$873,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,948
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$99,548
−HK$2,638/mo
Today · 4.125%
HK$102,186
baseline
▲ 0.50% · 4.625%
HK$107,572
+HK$5,386/mo
Deposit HK$2.12M · loan HK$19.11M · min. income ≈ HK$204,372/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$873,177 · Scale 2, in force from 26 Feb 2026)