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$48,448
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$49,955
−HK$1,531/mo
Today · 4.125%
HK$51,486
baseline
▲ 0.50% · 4.625%
HK$54,619
+HK$3,133/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$102,972/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$874,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,898
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$55,343
−HK$1,467/mo
Today · 4.125%
HK$56,810
baseline
▲ 0.50% · 4.625%
HK$59,804
+HK$2,994/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$113,620/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$874,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,137
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$59,946
−HK$1,837/mo
Today · 4.125%
HK$61,783
baseline
▲ 0.50% · 4.625%
HK$65,542
+HK$3,759/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$123,566/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$874,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,677
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,412
−HK$1,759/mo
Today · 4.125%
HK$68,171
baseline
▲ 0.50% · 4.625%
HK$71,765
+HK$3,594/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$136,342/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$874,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,827
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$69,937
−HK$2,143/mo
Today · 4.125%
HK$72,080
baseline
▲ 0.50% · 4.625%
HK$76,466
+HK$4,386/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$144,160/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$874,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,457
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$77,480
−HK$2,053/mo
Today · 4.125%
HK$79,533
baseline
▲ 0.50% · 4.625%
HK$83,726
+HK$4,193/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$159,066/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$874,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,206
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$89,918
−HK$2,756/mo
Today · 4.125%
HK$92,674
baseline
▲ 0.50% · 4.625%
HK$98,313
+HK$5,639/mo
Deposit HK$2.12M · loan HK$19.12M · min. income ≈ HK$185,348/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$874,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,016
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$99,618
−HK$2,639/mo
Today · 4.125%
HK$102,257
baseline
▲ 0.50% · 4.625%
HK$107,647
+HK$5,390/mo
Deposit HK$2.12M · loan HK$19.12M · min. income ≈ HK$204,514/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$874,661 · Scale 2, in force from 26 Feb 2026)