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$3,036/mo
▼ 0.25% · 3.875%
HK$49,917
−HK$1,530/mo
Today · 4.125%
HK$51,447
baseline
▲ 0.50% · 4.625%
HK$54,577
+HK$3,130/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$102,894/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$873,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,857
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,301
−HK$1,466/mo
Today · 4.125%
HK$56,767
baseline
▲ 0.50% · 4.625%
HK$59,759
+HK$2,992/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$113,534/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$873,058 · 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$65,493
+HK$3,757/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$873,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,628
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$66,362
−HK$1,758/mo
Today · 4.125%
HK$68,120
baseline
▲ 0.50% · 4.625%
HK$71,711
+HK$3,591/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$136,240/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$873,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,776
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$69,884
−HK$2,142/mo
Today · 4.125%
HK$72,026
baseline
▲ 0.50% · 4.625%
HK$76,408
+HK$4,382/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$144,052/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$873,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,400
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$77,422
−HK$2,051/mo
Today · 4.125%
HK$79,473
baseline
▲ 0.50% · 4.625%
HK$83,662
+HK$4,189/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$158,946/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$873,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,140
−HK$5,465/mo
▼ 0.25% · 3.875%
HK$89,851
−HK$2,754/mo
Today · 4.125%
HK$92,605
baseline
▲ 0.50% · 4.625%
HK$98,239
+HK$5,634/mo
Deposit HK$2.12M · loan HK$19.11M · min. income ≈ HK$185,210/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$873,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,942
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$99,542
−HK$2,638/mo
Today · 4.125%
HK$102,180
baseline
▲ 0.50% · 4.625%
HK$107,566
+HK$5,386/mo
Deposit HK$2.12M · loan HK$19.11M · min. income ≈ HK$204,360/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$873,058 · Scale 2, in force from 26 Feb 2026)