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$46,932
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$48,391
−HK$1,484/mo
Today · 4.125%
HK$49,875
baseline
▲ 0.50% · 4.625%
HK$52,909
+HK$3,034/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$99,750/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$808,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,211
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,611
−HK$1,421/mo
Today · 4.125%
HK$55,032
baseline
▲ 0.50% · 4.625%
HK$57,933
+HK$2,901/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$110,064/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$808,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,318
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$58,070
−HK$1,780/mo
Today · 4.125%
HK$59,850
baseline
▲ 0.50% · 4.625%
HK$63,491
+HK$3,641/mo
Deposit HK$8.23M · loan HK$12.35M · min. income ≈ HK$119,700/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$808,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,653
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$64,333
−HK$1,705/mo
Today · 4.125%
HK$66,038
baseline
▲ 0.50% · 4.625%
HK$69,519
+HK$3,481/mo
Deposit HK$8.23M · loan HK$12.35M · min. income ≈ HK$132,076/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$808,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,704
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$67,748
−HK$2,076/mo
Today · 4.125%
HK$69,824
baseline
▲ 0.50% · 4.625%
HK$74,073
+HK$4,249/mo
Deposit HK$6.17M · loan HK$14.41M · min. income ≈ HK$139,648/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$808,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,095
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$75,056
−HK$1,988/mo
Today · 4.125%
HK$77,044
baseline
▲ 0.50% · 4.625%
HK$81,106
+HK$4,062/mo
Deposit HK$6.17M · loan HK$14.41M · min. income ≈ HK$154,088/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$808,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,477
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$87,105
−HK$2,669/mo
Today · 4.125%
HK$89,774
baseline
▲ 0.50% · 4.625%
HK$95,237
+HK$5,463/mo
Deposit HK$2.06M · loan HK$18.52M · min. income ≈ HK$179,548/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$808,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,980
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$96,500
−HK$2,557/mo
Today · 4.125%
HK$99,057
baseline
▲ 0.50% · 4.625%
HK$104,279
+HK$5,222/mo
Deposit HK$2.06M · loan HK$18.52M · min. income ≈ HK$198,114/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$808,172 · Scale 2, in force from 26 Feb 2026)