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$48,438
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$49,944
−HK$1,531/mo
Today · 4.125%
HK$51,475
baseline
▲ 0.50% · 4.625%
HK$54,607
+HK$3,132/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$102,950/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$874,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,886
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$55,331
−HK$1,467/mo
Today · 4.125%
HK$56,798
baseline
▲ 0.50% · 4.625%
HK$59,791
+HK$2,993/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$113,596/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$874,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,125
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,933
−HK$1,837/mo
Today · 4.125%
HK$61,770
baseline
▲ 0.50% · 4.625%
HK$65,529
+HK$3,759/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$123,540/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$874,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,664
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,398
−HK$1,759/mo
Today · 4.125%
HK$68,157
baseline
▲ 0.50% · 4.625%
HK$71,750
+HK$3,593/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$136,314/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$874,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,813
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$69,922
−HK$2,143/mo
Today · 4.125%
HK$72,065
baseline
▲ 0.50% · 4.625%
HK$76,450
+HK$4,385/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$144,130/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$874,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,441
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$77,464
−HK$2,053/mo
Today · 4.125%
HK$79,517
baseline
▲ 0.50% · 4.625%
HK$83,708
+HK$4,191/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$159,034/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$874,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,188
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$89,900
−HK$2,755/mo
Today · 4.125%
HK$92,655
baseline
▲ 0.50% · 4.625%
HK$98,293
+HK$5,638/mo
Deposit HK$2.12M · loan HK$19.12M · min. income ≈ HK$185,310/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$874,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,995
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$99,597
−HK$2,639/mo
Today · 4.125%
HK$102,236
baseline
▲ 0.50% · 4.625%
HK$107,625
+HK$5,389/mo
Deposit HK$2.12M · loan HK$19.12M · min. income ≈ HK$204,472/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$874,214 · Scale 2, in force from 26 Feb 2026)