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$48,415
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$49,921
−HK$1,531/mo
Today · 4.125%
HK$51,452
baseline
▲ 0.50% · 4.625%
HK$54,582
+HK$3,130/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$102,904/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$873,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,862
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,306
−HK$1,466/mo
Today · 4.125%
HK$56,772
baseline
▲ 0.50% · 4.625%
HK$59,764
+HK$2,992/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$113,544/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$873,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,099
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$59,906
−HK$1,836/mo
Today · 4.125%
HK$61,742
baseline
▲ 0.50% · 4.625%
HK$65,499
+HK$3,757/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$123,484/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$873,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,634
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$66,368
−HK$1,758/mo
Today · 4.125%
HK$68,126
baseline
▲ 0.50% · 4.625%
HK$71,717
+HK$3,591/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$136,252/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$873,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,782
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$69,890
−HK$2,142/mo
Today · 4.125%
HK$72,032
baseline
▲ 0.50% · 4.625%
HK$76,415
+HK$4,383/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$144,064/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$873,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,406
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$77,429
−HK$2,051/mo
Today · 4.125%
HK$79,480
baseline
▲ 0.50% · 4.625%
HK$83,670
+HK$4,190/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$158,960/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$873,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,148
−HK$5,465/mo
▼ 0.25% · 3.875%
HK$89,859
−HK$2,754/mo
Today · 4.125%
HK$92,613
baseline
▲ 0.50% · 4.625%
HK$98,248
+HK$5,635/mo
Deposit HK$2.12M · loan HK$19.11M · min. income ≈ HK$185,226/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$873,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,951
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$99,551
−HK$2,638/mo
Today · 4.125%
HK$102,189
baseline
▲ 0.50% · 4.625%
HK$107,576
+HK$5,387/mo
Deposit HK$2.12M · loan HK$19.11M · min. income ≈ HK$204,378/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$873,247 · Scale 2, in force from 26 Feb 2026)