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$48,418
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$49,924
−HK$1,530/mo
Today · 4.125%
HK$51,454
baseline
▲ 0.50% · 4.625%
HK$54,585
+HK$3,131/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$102,908/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$873,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,864
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,309
−HK$1,465/mo
Today · 4.125%
HK$56,774
baseline
▲ 0.50% · 4.625%
HK$59,767
+HK$2,993/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$113,548/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$873,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,101
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$59,908
−HK$1,836/mo
Today · 4.125%
HK$61,744
baseline
▲ 0.50% · 4.625%
HK$65,501
+HK$3,757/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$123,488/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$873,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,637
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$66,370
−HK$1,759/mo
Today · 4.125%
HK$68,129
baseline
▲ 0.50% · 4.625%
HK$71,720
+HK$3,591/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$136,258/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$873,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,785
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$69,893
−HK$2,142/mo
Today · 4.125%
HK$72,035
baseline
▲ 0.50% · 4.625%
HK$76,418
+HK$4,383/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$144,070/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$873,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,410
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$77,432
−HK$2,052/mo
Today · 4.125%
HK$79,484
baseline
▲ 0.50% · 4.625%
HK$83,673
+HK$4,189/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$158,968/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$873,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,152
−HK$5,465/mo
▼ 0.25% · 3.875%
HK$89,862
−HK$2,755/mo
Today · 4.125%
HK$92,617
baseline
▲ 0.50% · 4.625%
HK$98,252
+HK$5,635/mo
Deposit HK$2.12M · loan HK$19.11M · min. income ≈ HK$185,234/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$873,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,955
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$99,555
−HK$2,638/mo
Today · 4.125%
HK$102,193
baseline
▲ 0.50% · 4.625%
HK$107,580
+HK$5,387/mo
Deposit HK$2.12M · loan HK$19.11M · min. income ≈ HK$204,386/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$873,337 · Scale 2, in force from 26 Feb 2026)