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$48,441
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$49,948
−HK$1,531/mo
Today · 4.125%
HK$51,479
baseline
▲ 0.50% · 4.625%
HK$54,611
+HK$3,132/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$102,958/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$874,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,890
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$55,336
−HK$1,466/mo
Today · 4.125%
HK$56,802
baseline
▲ 0.50% · 4.625%
HK$59,796
+HK$2,994/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$113,604/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$874,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,130
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,938
−HK$1,837/mo
Today · 4.125%
HK$61,775
baseline
▲ 0.50% · 4.625%
HK$65,534
+HK$3,759/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$123,550/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$874,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,669
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,403
−HK$1,759/mo
Today · 4.125%
HK$68,162
baseline
▲ 0.50% · 4.625%
HK$71,755
+HK$3,593/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$136,324/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$874,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,818
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$69,927
−HK$2,144/mo
Today · 4.125%
HK$72,071
baseline
▲ 0.50% · 4.625%
HK$76,456
+HK$4,385/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$144,142/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$874,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,447
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$77,470
−HK$2,053/mo
Today · 4.125%
HK$79,523
baseline
▲ 0.50% · 4.625%
HK$83,715
+HK$4,192/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$159,046/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$874,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,194
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$89,907
−HK$2,755/mo
Today · 4.125%
HK$92,662
baseline
▲ 0.50% · 4.625%
HK$98,300
+HK$5,638/mo
Deposit HK$2.12M · loan HK$19.12M · min. income ≈ HK$185,324/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$874,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,003
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$99,604
−HK$2,640/mo
Today · 4.125%
HK$102,244
baseline
▲ 0.50% · 4.625%
HK$107,633
+HK$5,389/mo
Deposit HK$2.12M · loan HK$19.12M · min. income ≈ HK$204,488/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$874,379 · Scale 2, in force from 26 Feb 2026)