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$46,922
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,381
−HK$1,483/mo
Today · 4.125%
HK$49,864
baseline
▲ 0.50% · 4.625%
HK$52,898
+HK$3,034/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$99,728/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$807,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,200
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$53,600
−HK$1,420/mo
Today · 4.125%
HK$55,020
baseline
▲ 0.50% · 4.625%
HK$57,920
+HK$2,900/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$110,040/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$807,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,306
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$58,058
−HK$1,779/mo
Today · 4.125%
HK$59,837
baseline
▲ 0.50% · 4.625%
HK$63,478
+HK$3,641/mo
Deposit HK$8.23M · loan HK$12.35M · min. income ≈ HK$119,674/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$807,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,640
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,320
−HK$1,704/mo
Today · 4.125%
HK$66,024
baseline
▲ 0.50% · 4.625%
HK$69,504
+HK$3,480/mo
Deposit HK$8.23M · loan HK$12.35M · min. income ≈ HK$132,048/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$807,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,690
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$67,734
−HK$2,076/mo
Today · 4.125%
HK$69,810
baseline
▲ 0.50% · 4.625%
HK$74,058
+HK$4,248/mo
Deposit HK$6.17M · loan HK$14.40M · min. income ≈ HK$139,620/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$807,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,080
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$75,040
−HK$1,988/mo
Today · 4.125%
HK$77,028
baseline
▲ 0.50% · 4.625%
HK$81,089
+HK$4,061/mo
Deposit HK$6.17M · loan HK$14.40M · min. income ≈ HK$154,056/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$807,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,459
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$87,086
−HK$2,670/mo
Today · 4.125%
HK$89,756
baseline
▲ 0.50% · 4.625%
HK$95,217
+HK$5,461/mo
Deposit HK$2.06M · loan HK$18.52M · min. income ≈ HK$179,512/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$807,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,960
−HK$5,076/mo
▼ 0.25% · 3.875%
HK$96,480
−HK$2,556/mo
Today · 4.125%
HK$99,036
baseline
▲ 0.50% · 4.625%
HK$104,257
+HK$5,221/mo
Deposit HK$2.06M · loan HK$18.52M · min. income ≈ HK$198,072/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$807,741 · Scale 2, in force from 26 Feb 2026)