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$48,482
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$49,990
−HK$1,532/mo
Today · 4.125%
HK$51,522
baseline
▲ 0.50% · 4.625%
HK$54,657
+HK$3,135/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$103,044/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$876,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,936
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,382
−HK$1,468/mo
Today · 4.125%
HK$56,850
baseline
▲ 0.50% · 4.625%
HK$59,846
+HK$2,996/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$113,700/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$876,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,178
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$59,988
−HK$1,838/mo
Today · 4.125%
HK$61,826
baseline
▲ 0.50% · 4.625%
HK$65,588
+HK$3,762/mo
Deposit HK$8.50M · loan HK$12.76M · min. income ≈ HK$123,652/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$876,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,723
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$66,458
−HK$1,761/mo
Today · 4.125%
HK$68,219
baseline
▲ 0.50% · 4.625%
HK$71,815
+HK$3,596/mo
Deposit HK$8.50M · loan HK$12.76M · min. income ≈ HK$136,438/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$876,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,875
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$69,986
−HK$2,145/mo
Today · 4.125%
HK$72,131
baseline
▲ 0.50% · 4.625%
HK$76,520
+HK$4,389/mo
Deposit HK$6.38M · loan HK$14.88M · min. income ≈ HK$144,262/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$876,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,510
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$77,535
−HK$2,054/mo
Today · 4.125%
HK$79,589
baseline
▲ 0.50% · 4.625%
HK$83,785
+HK$4,196/mo
Deposit HK$6.38M · loan HK$14.88M · min. income ≈ HK$159,178/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$876,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,267
−HK$5,473/mo
▼ 0.25% · 3.875%
HK$89,982
−HK$2,758/mo
Today · 4.125%
HK$92,740
baseline
▲ 0.50% · 4.625%
HK$98,383
+HK$5,643/mo
Deposit HK$2.13M · loan HK$19.14M · min. income ≈ HK$185,480/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$876,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,084
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$99,688
−HK$2,641/mo
Today · 4.125%
HK$102,329
baseline
▲ 0.50% · 4.625%
HK$107,723
+HK$5,394/mo
Deposit HK$2.13M · loan HK$19.14M · min. income ≈ HK$204,658/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$876,157 · Scale 2, in force from 26 Feb 2026)