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$48,497
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$50,005
−HK$1,533/mo
Today · 4.125%
HK$51,538
baseline
▲ 0.50% · 4.625%
HK$54,674
+HK$3,136/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$103,076/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$876,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,952
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$55,399
−HK$1,468/mo
Today · 4.125%
HK$56,867
baseline
▲ 0.50% · 4.625%
HK$59,865
+HK$2,998/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$113,734/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$876,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,196
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$60,007
−HK$1,839/mo
Today · 4.125%
HK$61,846
baseline
▲ 0.50% · 4.625%
HK$65,609
+HK$3,763/mo
Deposit HK$8.51M · loan HK$12.76M · min. income ≈ HK$123,692/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$876,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,743
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$66,479
−HK$1,762/mo
Today · 4.125%
HK$68,241
baseline
▲ 0.50% · 4.625%
HK$71,838
+HK$3,597/mo
Deposit HK$8.51M · loan HK$12.76M · min. income ≈ HK$136,482/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$876,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,896
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$70,008
−HK$2,145/mo
Today · 4.125%
HK$72,153
baseline
▲ 0.50% · 4.625%
HK$76,544
+HK$4,391/mo
Deposit HK$6.38M · loan HK$14.89M · min. income ≈ HK$144,306/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$876,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,533
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$77,559
−HK$2,055/mo
Today · 4.125%
HK$79,614
baseline
▲ 0.50% · 4.625%
HK$83,811
+HK$4,197/mo
Deposit HK$6.38M · loan HK$14.89M · min. income ≈ HK$159,228/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$876,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,294
−HK$5,475/mo
▼ 0.25% · 3.875%
HK$90,010
−HK$2,759/mo
Today · 4.125%
HK$92,769
baseline
▲ 0.50% · 4.625%
HK$98,413
+HK$5,644/mo
Deposit HK$2.13M · loan HK$19.14M · min. income ≈ HK$185,538/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$876,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,114
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$99,719
−HK$2,642/mo
Today · 4.125%
HK$102,361
baseline
▲ 0.50% · 4.625%
HK$107,757
+HK$5,396/mo
Deposit HK$2.13M · loan HK$19.14M · min. income ≈ HK$204,722/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$876,820 · Scale 2, in force from 26 Feb 2026)