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$48,494
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$50,002
−HK$1,533/mo
Today · 4.125%
HK$51,535
baseline
▲ 0.50% · 4.625%
HK$54,671
+HK$3,136/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$103,070/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$876,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,949
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$55,396
−HK$1,468/mo
Today · 4.125%
HK$56,864
baseline
▲ 0.50% · 4.625%
HK$59,861
+HK$2,997/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$113,728/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$876,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,193
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$60,003
−HK$1,839/mo
Today · 4.125%
HK$61,842
baseline
▲ 0.50% · 4.625%
HK$65,605
+HK$3,763/mo
Deposit HK$8.51M · loan HK$12.76M · min. income ≈ HK$123,684/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$876,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,739
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$66,475
−HK$1,761/mo
Today · 4.125%
HK$68,236
baseline
▲ 0.50% · 4.625%
HK$71,833
+HK$3,597/mo
Deposit HK$8.51M · loan HK$12.76M · min. income ≈ HK$136,472/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$876,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,891
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$70,003
−HK$2,146/mo
Today · 4.125%
HK$72,149
baseline
▲ 0.50% · 4.625%
HK$76,539
+HK$4,390/mo
Deposit HK$6.38M · loan HK$14.89M · min. income ≈ HK$144,298/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$876,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,529
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$77,554
−HK$2,055/mo
Today · 4.125%
HK$79,609
baseline
▲ 0.50% · 4.625%
HK$83,805
+HK$4,196/mo
Deposit HK$6.38M · loan HK$14.89M · min. income ≈ HK$159,218/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$876,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,289
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$90,004
−HK$2,759/mo
Today · 4.125%
HK$92,763
baseline
▲ 0.50% · 4.625%
HK$98,407
+HK$5,644/mo
Deposit HK$2.13M · loan HK$19.14M · min. income ≈ HK$185,526/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$876,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,108
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$99,712
−HK$2,643/mo
Today · 4.125%
HK$102,355
baseline
▲ 0.50% · 4.625%
HK$107,750
+HK$5,395/mo
Deposit HK$2.13M · loan HK$19.14M · min. income ≈ HK$204,710/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$876,685 · Scale 2, in force from 26 Feb 2026)