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$48,401
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$49,907
−HK$1,530/mo
Today · 4.125%
HK$51,437
baseline
▲ 0.50% · 4.625%
HK$54,566
+HK$3,129/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$102,874/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$872,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,846
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$55,290
−HK$1,465/mo
Today · 4.125%
HK$56,755
baseline
▲ 0.50% · 4.625%
HK$59,747
+HK$2,992/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$113,510/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$872,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,082
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,888
−HK$1,836/mo
Today · 4.125%
HK$61,724
baseline
▲ 0.50% · 4.625%
HK$65,480
+HK$3,756/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$123,448/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$872,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,615
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,348
−HK$1,758/mo
Today · 4.125%
HK$68,106
baseline
▲ 0.50% · 4.625%
HK$71,696
+HK$3,590/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$136,212/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$872,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,762
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$69,870
−HK$2,141/mo
Today · 4.125%
HK$72,011
baseline
▲ 0.50% · 4.625%
HK$76,393
+HK$4,382/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$144,022/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$872,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,384
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$77,406
−HK$2,051/mo
Today · 4.125%
HK$79,457
baseline
▲ 0.50% · 4.625%
HK$83,646
+HK$4,189/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$158,914/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$872,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,122
−HK$5,464/mo
▼ 0.25% · 3.875%
HK$89,832
−HK$2,754/mo
Today · 4.125%
HK$92,586
baseline
▲ 0.50% · 4.625%
HK$98,219
+HK$5,633/mo
Deposit HK$2.12M · loan HK$19.10M · min. income ≈ HK$185,172/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$872,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,923
−HK$5,236/mo
▼ 0.25% · 3.875%
HK$99,522
−HK$2,637/mo
Today · 4.125%
HK$102,159
baseline
▲ 0.50% · 4.625%
HK$107,544
+HK$5,385/mo
Deposit HK$2.12M · loan HK$19.10M · min. income ≈ HK$204,318/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$872,628 · Scale 2, in force from 26 Feb 2026)