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$48,405
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,910
−HK$1,530/mo
Today · 4.125%
HK$51,440
baseline
▲ 0.50% · 4.625%
HK$54,570
+HK$3,130/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$102,880/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$872,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,850
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$55,294
−HK$1,465/mo
Today · 4.125%
HK$56,759
baseline
▲ 0.50% · 4.625%
HK$59,751
+HK$2,992/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$113,518/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$872,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,086
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,892
−HK$1,836/mo
Today · 4.125%
HK$61,728
baseline
▲ 0.50% · 4.625%
HK$65,484
+HK$3,756/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$123,456/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$872,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,620
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,353
−HK$1,758/mo
Today · 4.125%
HK$68,111
baseline
▲ 0.50% · 4.625%
HK$71,701
+HK$3,590/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$136,222/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$872,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,767
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$69,874
−HK$2,142/mo
Today · 4.125%
HK$72,016
baseline
▲ 0.50% · 4.625%
HK$76,398
+HK$4,382/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$144,032/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$872,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,390
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$77,411
−HK$2,052/mo
Today · 4.125%
HK$79,463
baseline
▲ 0.50% · 4.625%
HK$83,651
+HK$4,188/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$158,926/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$872,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,128
−HK$5,464/mo
▼ 0.25% · 3.875%
HK$89,839
−HK$2,753/mo
Today · 4.125%
HK$92,592
baseline
▲ 0.50% · 4.625%
HK$98,226
+HK$5,634/mo
Deposit HK$2.12M · loan HK$19.10M · min. income ≈ HK$185,184/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$872,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,929
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$99,529
−HK$2,637/mo
Today · 4.125%
HK$102,166
baseline
▲ 0.50% · 4.625%
HK$107,552
+HK$5,386/mo
Deposit HK$2.12M · loan HK$19.10M · min. income ≈ HK$204,332/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$872,773 · Scale 2, in force from 26 Feb 2026)