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$48,397
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,902
−HK$1,530/mo
Today · 4.125%
HK$51,432
baseline
▲ 0.50% · 4.625%
HK$54,561
+HK$3,129/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$102,864/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$872,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,841
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$55,285
−HK$1,465/mo
Today · 4.125%
HK$56,750
baseline
▲ 0.50% · 4.625%
HK$59,741
+HK$2,991/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$113,500/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$872,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,076
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,883
−HK$1,835/mo
Today · 4.125%
HK$61,718
baseline
▲ 0.50% · 4.625%
HK$65,473
+HK$3,755/mo
Deposit HK$8.49M · loan HK$12.73M · min. income ≈ HK$123,436/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$872,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,609
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,342
−HK$1,758/mo
Today · 4.125%
HK$68,100
baseline
▲ 0.50% · 4.625%
HK$71,689
+HK$3,589/mo
Deposit HK$8.49M · loan HK$12.73M · min. income ≈ HK$136,200/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$872,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,755
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$69,863
−HK$2,141/mo
Today · 4.125%
HK$72,004
baseline
▲ 0.50% · 4.625%
HK$76,385
+HK$4,381/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$144,008/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$872,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,377
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$77,399
−HK$2,051/mo
Today · 4.125%
HK$79,450
baseline
▲ 0.50% · 4.625%
HK$83,637
+HK$4,187/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$158,900/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$872,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,114
−HK$5,463/mo
▼ 0.25% · 3.875%
HK$89,824
−HK$2,753/mo
Today · 4.125%
HK$92,577
baseline
▲ 0.50% · 4.625%
HK$98,210
+HK$5,633/mo
Deposit HK$2.12M · loan HK$19.10M · min. income ≈ HK$185,154/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$872,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,913
−HK$5,236/mo
▼ 0.25% · 3.875%
HK$99,513
−HK$2,636/mo
Today · 4.125%
HK$102,149
baseline
▲ 0.50% · 4.625%
HK$107,534
+HK$5,385/mo
Deposit HK$2.12M · loan HK$19.10M · min. income ≈ HK$204,298/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$872,423 · Scale 2, in force from 26 Feb 2026)