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$48,423
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$49,929
−HK$1,530/mo
Today · 4.125%
HK$51,459
baseline
▲ 0.50% · 4.625%
HK$54,591
+HK$3,132/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$102,918/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$873,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,870
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,315
−HK$1,465/mo
Today · 4.125%
HK$56,780
baseline
▲ 0.50% · 4.625%
HK$59,773
+HK$2,993/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$113,560/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$873,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,107
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$59,915
−HK$1,836/mo
Today · 4.125%
HK$61,751
baseline
▲ 0.50% · 4.625%
HK$65,509
+HK$3,758/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$123,502/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$873,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,644
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$66,378
−HK$1,758/mo
Today · 4.125%
HK$68,136
baseline
▲ 0.50% · 4.625%
HK$71,728
+HK$3,592/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$136,272/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$873,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,792
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$69,901
−HK$2,142/mo
Today · 4.125%
HK$72,043
baseline
▲ 0.50% · 4.625%
HK$76,427
+HK$4,384/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$144,086/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$873,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,418
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$77,441
−HK$2,051/mo
Today · 4.125%
HK$79,492
baseline
▲ 0.50% · 4.625%
HK$83,683
+HK$4,191/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$158,984/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$873,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,161
−HK$5,466/mo
▼ 0.25% · 3.875%
HK$89,872
−HK$2,755/mo
Today · 4.125%
HK$92,627
baseline
▲ 0.50% · 4.625%
HK$98,263
+HK$5,636/mo
Deposit HK$2.12M · loan HK$19.11M · min. income ≈ HK$185,254/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$873,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,966
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$99,566
−HK$2,639/mo
Today · 4.125%
HK$102,205
baseline
▲ 0.50% · 4.625%
HK$107,592
+HK$5,387/mo
Deposit HK$2.12M · loan HK$19.11M · min. income ≈ HK$204,410/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$873,570 · Scale 2, in force from 26 Feb 2026)