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$48,389
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$49,894
−HK$1,529/mo
Today · 4.125%
HK$51,423
baseline
▲ 0.50% · 4.625%
HK$54,552
+HK$3,129/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$102,846/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$872,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,832
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$55,276
−HK$1,465/mo
Today · 4.125%
HK$56,741
baseline
▲ 0.50% · 4.625%
HK$59,732
+HK$2,991/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$113,482/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$872,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,067
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$59,873
−HK$1,835/mo
Today · 4.125%
HK$61,708
baseline
▲ 0.50% · 4.625%
HK$65,463
+HK$3,755/mo
Deposit HK$8.49M · loan HK$12.73M · min. income ≈ HK$123,416/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$872,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,599
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$66,331
−HK$1,758/mo
Today · 4.125%
HK$68,089
baseline
▲ 0.50% · 4.625%
HK$71,678
+HK$3,589/mo
Deposit HK$8.49M · loan HK$12.73M · min. income ≈ HK$136,178/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$872,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,745
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$69,852
−HK$2,141/mo
Today · 4.125%
HK$71,993
baseline
▲ 0.50% · 4.625%
HK$76,373
+HK$4,380/mo
Deposit HK$6.37M · loan HK$14.85M · min. income ≈ HK$143,986/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$872,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,365
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$77,386
−HK$2,051/mo
Today · 4.125%
HK$79,437
baseline
▲ 0.50% · 4.625%
HK$83,624
+HK$4,187/mo
Deposit HK$6.37M · loan HK$14.85M · min. income ≈ HK$158,874/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$872,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,100
−HK$5,462/mo
▼ 0.25% · 3.875%
HK$89,809
−HK$2,753/mo
Today · 4.125%
HK$92,562
baseline
▲ 0.50% · 4.625%
HK$98,194
+HK$5,632/mo
Deposit HK$2.12M · loan HK$19.10M · min. income ≈ HK$185,124/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$872,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,898
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$99,497
−HK$2,636/mo
Today · 4.125%
HK$102,133
baseline
▲ 0.50% · 4.625%
HK$107,517
+HK$5,384/mo
Deposit HK$2.12M · loan HK$19.10M · min. income ≈ HK$204,266/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$872,086 · Scale 2, in force from 26 Feb 2026)