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$3,037/mo
▼ 0.25% · 3.875%
HK$49,948
−HK$1,530/mo
Today · 4.125%
HK$51,478
baseline
▲ 0.50% · 4.625%
HK$54,611
+HK$3,133/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$102,956/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$874,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,890
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$55,335
−HK$1,466/mo
Today · 4.125%
HK$56,801
baseline
▲ 0.50% · 4.625%
HK$59,795
+HK$2,994/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$113,602/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$874,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,129
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,937
−HK$1,837/mo
Today · 4.125%
HK$61,774
baseline
▲ 0.50% · 4.625%
HK$65,533
+HK$3,759/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$123,548/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$874,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,668
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,402
−HK$1,760/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$874,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,817
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$69,927
−HK$2,143/mo
Today · 4.125%
HK$72,070
baseline
▲ 0.50% · 4.625%
HK$76,455
+HK$4,385/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$144,140/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$874,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,446
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$77,469
−HK$2,053/mo
Today · 4.125%
HK$79,522
baseline
▲ 0.50% · 4.625%
HK$83,714
+HK$4,192/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$159,044/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$874,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,193
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$89,906
−HK$2,755/mo
Today · 4.125%
HK$92,661
baseline
▲ 0.50% · 4.625%
HK$98,299
+HK$5,638/mo
Deposit HK$2.12M · loan HK$19.12M · min. income ≈ HK$185,322/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$874,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,002
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$99,603
−HK$2,640/mo
Today · 4.125%
HK$102,243
baseline
▲ 0.50% · 4.625%
HK$107,632
+HK$5,389/mo
Deposit HK$2.12M · loan HK$19.12M · min. income ≈ HK$204,486/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$874,358 · Scale 2, in force from 26 Feb 2026)