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$3,036/mo
▼ 0.25% · 3.875%
HK$49,911
−HK$1,530/mo
Today · 4.125%
HK$51,441
baseline
▲ 0.50% · 4.625%
HK$54,571
+HK$3,130/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$102,882/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$872,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,850
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,294
−HK$1,466/mo
Today · 4.125%
HK$56,760
baseline
▲ 0.50% · 4.625%
HK$59,751
+HK$2,991/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$113,520/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$872,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,086
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$59,893
−HK$1,836/mo
Today · 4.125%
HK$61,729
baseline
▲ 0.50% · 4.625%
HK$65,485
+HK$3,756/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$123,458/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$872,793 · 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$71,702
+HK$3,591/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$872,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,767
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$69,875
−HK$2,142/mo
Today · 4.125%
HK$72,017
baseline
▲ 0.50% · 4.625%
HK$76,399
+HK$4,382/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$144,034/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$872,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,390
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$77,412
−HK$2,051/mo
Today · 4.125%
HK$79,463
baseline
▲ 0.50% · 4.625%
HK$83,652
+HK$4,189/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$872,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,129
−HK$5,464/mo
▼ 0.25% · 3.875%
HK$89,839
−HK$2,754/mo
Today · 4.125%
HK$92,593
baseline
▲ 0.50% · 4.625%
HK$98,227
+HK$5,634/mo
Deposit HK$2.12M · loan HK$19.11M · min. income ≈ HK$185,186/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$872,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,930
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$99,530
−HK$2,637/mo
Today · 4.125%
HK$102,167
baseline
▲ 0.50% · 4.625%
HK$107,553
+HK$5,386/mo
Deposit HK$2.12M · loan HK$19.11M · min. income ≈ HK$204,334/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$872,793 · Scale 2, in force from 26 Feb 2026)