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$48,425
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$49,932
−HK$1,530/mo
Today · 4.125%
HK$51,462
baseline
▲ 0.50% · 4.625%
HK$54,593
+HK$3,131/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$102,924/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$873,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,873
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,317
−HK$1,466/mo
Today · 4.125%
HK$56,783
baseline
▲ 0.50% · 4.625%
HK$59,776
+HK$2,993/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$113,566/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$873,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,110
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$59,918
−HK$1,836/mo
Today · 4.125%
HK$61,754
baseline
▲ 0.50% · 4.625%
HK$65,512
+HK$3,758/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$123,508/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$873,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,647
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,381
−HK$1,759/mo
Today · 4.125%
HK$68,140
baseline
▲ 0.50% · 4.625%
HK$71,732
+HK$3,592/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$136,280/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$873,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,795
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$69,904
−HK$2,143/mo
Today · 4.125%
HK$72,047
baseline
▲ 0.50% · 4.625%
HK$76,431
+HK$4,384/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$144,094/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$873,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,422
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$77,444
−HK$2,052/mo
Today · 4.125%
HK$79,496
baseline
▲ 0.50% · 4.625%
HK$83,687
+HK$4,191/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$158,992/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$873,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,165
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$89,877
−HK$2,755/mo
Today · 4.125%
HK$92,632
baseline
▲ 0.50% · 4.625%
HK$98,268
+HK$5,636/mo
Deposit HK$2.12M · loan HK$19.11M · min. income ≈ HK$185,264/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$873,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,971
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$99,571
−HK$2,639/mo
Today · 4.125%
HK$102,210
baseline
▲ 0.50% · 4.625%
HK$107,597
+HK$5,387/mo
Deposit HK$2.12M · loan HK$19.11M · min. income ≈ HK$204,420/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$873,677 · Scale 2, in force from 26 Feb 2026)