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$48,422
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$49,928
−HK$1,531/mo
Today · 4.125%
HK$51,459
baseline
▲ 0.50% · 4.625%
HK$54,590
+HK$3,131/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$102,918/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$873,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,869
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$55,314
−HK$1,466/mo
Today · 4.125%
HK$56,780
baseline
▲ 0.50% · 4.625%
HK$59,772
+HK$2,992/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$113,560/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$873,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,107
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$59,914
−HK$1,836/mo
Today · 4.125%
HK$61,750
baseline
▲ 0.50% · 4.625%
HK$65,508
+HK$3,758/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$123,500/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$873,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,643
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$66,377
−HK$1,758/mo
Today · 4.125%
HK$68,135
baseline
▲ 0.50% · 4.625%
HK$71,727
+HK$3,592/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$136,270/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$873,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,791
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$69,900
−HK$2,142/mo
Today · 4.125%
HK$72,042
baseline
▲ 0.50% · 4.625%
HK$76,426
+HK$4,384/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$144,084/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$873,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,417
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$77,439
−HK$2,052/mo
Today · 4.125%
HK$79,491
baseline
▲ 0.50% · 4.625%
HK$83,681
+HK$4,190/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$158,982/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$873,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,160
−HK$5,466/mo
▼ 0.25% · 3.875%
HK$89,871
−HK$2,755/mo
Today · 4.125%
HK$92,626
baseline
▲ 0.50% · 4.625%
HK$98,262
+HK$5,636/mo
Deposit HK$2.12M · loan HK$19.11M · min. income ≈ HK$185,252/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$873,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,964
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$99,565
−HK$2,638/mo
Today · 4.125%
HK$102,203
baseline
▲ 0.50% · 4.625%
HK$107,590
+HK$5,387/mo
Deposit HK$2.12M · loan HK$19.11M · min. income ≈ HK$204,406/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$873,539 · Scale 2, in force from 26 Feb 2026)