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$48,488
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$49,996
−HK$1,533/mo
Today · 4.125%
HK$51,529
baseline
▲ 0.50% · 4.625%
HK$54,664
+HK$3,135/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$103,058/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$876,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,942
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$55,389
−HK$1,468/mo
Today · 4.125%
HK$56,857
baseline
▲ 0.50% · 4.625%
HK$59,854
+HK$2,997/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$113,714/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$876,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,186
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$59,996
−HK$1,838/mo
Today · 4.125%
HK$61,834
baseline
▲ 0.50% · 4.625%
HK$65,597
+HK$3,763/mo
Deposit HK$8.51M · loan HK$12.76M · min. income ≈ HK$123,668/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$876,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,731
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$66,467
−HK$1,761/mo
Today · 4.125%
HK$68,228
baseline
▲ 0.50% · 4.625%
HK$71,825
+HK$3,597/mo
Deposit HK$8.51M · loan HK$12.76M · min. income ≈ HK$136,456/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$876,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,883
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$69,995
−HK$2,145/mo
Today · 4.125%
HK$72,140
baseline
▲ 0.50% · 4.625%
HK$76,530
+HK$4,390/mo
Deposit HK$6.38M · loan HK$14.89M · min. income ≈ HK$144,280/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$876,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,519
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$77,545
−HK$2,055/mo
Today · 4.125%
HK$79,600
baseline
▲ 0.50% · 4.625%
HK$83,795
+HK$4,195/mo
Deposit HK$6.38M · loan HK$14.89M · min. income ≈ HK$159,200/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$876,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,279
−HK$5,473/mo
▼ 0.25% · 3.875%
HK$89,993
−HK$2,759/mo
Today · 4.125%
HK$92,752
baseline
▲ 0.50% · 4.625%
HK$98,395
+HK$5,643/mo
Deposit HK$2.13M · loan HK$19.14M · min. income ≈ HK$185,504/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$876,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,096
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$99,701
−HK$2,641/mo
Today · 4.125%
HK$102,342
baseline
▲ 0.50% · 4.625%
HK$107,737
+HK$5,395/mo
Deposit HK$2.13M · loan HK$19.14M · min. income ≈ HK$204,684/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$876,431 · Scale 2, in force from 26 Feb 2026)