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$46,943
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$48,403
−HK$1,483/mo
Today · 4.125%
HK$49,886
baseline
▲ 0.50% · 4.625%
HK$52,922
+HK$3,036/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$99,772/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$808,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,223
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,624
−HK$1,421/mo
Today · 4.125%
HK$55,045
baseline
▲ 0.50% · 4.625%
HK$57,946
+HK$2,901/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$110,090/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$808,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,331
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,083
−HK$1,781/mo
Today · 4.125%
HK$59,864
baseline
▲ 0.50% · 4.625%
HK$63,506
+HK$3,642/mo
Deposit HK$8.23M · loan HK$12.35M · min. income ≈ HK$119,728/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$808,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,668
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,348
−HK$1,706/mo
Today · 4.125%
HK$66,054
baseline
▲ 0.50% · 4.625%
HK$69,535
+HK$3,481/mo
Deposit HK$8.23M · loan HK$12.35M · min. income ≈ HK$132,108/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$808,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,720
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$67,764
−HK$2,077/mo
Today · 4.125%
HK$69,841
baseline
▲ 0.50% · 4.625%
HK$74,090
+HK$4,249/mo
Deposit HK$6.18M · loan HK$14.41M · min. income ≈ HK$139,682/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$808,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,112
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$75,073
−HK$1,989/mo
Today · 4.125%
HK$77,062
baseline
▲ 0.50% · 4.625%
HK$81,125
+HK$4,063/mo
Deposit HK$6.18M · loan HK$14.41M · min. income ≈ HK$154,124/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$808,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,497
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$87,125
−HK$2,670/mo
Today · 4.125%
HK$89,795
baseline
▲ 0.50% · 4.625%
HK$95,259
+HK$5,464/mo
Deposit HK$2.06M · loan HK$18.53M · min. income ≈ HK$179,590/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$808,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,002
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$96,523
−HK$2,557/mo
Today · 4.125%
HK$99,080
baseline
▲ 0.50% · 4.625%
HK$104,303
+HK$5,223/mo
Deposit HK$2.06M · loan HK$18.53M · min. income ≈ HK$198,160/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$808,654 · Scale 2, in force from 26 Feb 2026)