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$46,976
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$48,437
−HK$1,485/mo
Today · 4.125%
HK$49,922
baseline
▲ 0.50% · 4.625%
HK$52,960
+HK$3,038/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$99,844/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$810,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,260
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$53,662
−HK$1,422/mo
Today · 4.125%
HK$55,084
baseline
▲ 0.50% · 4.625%
HK$57,987
+HK$2,903/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$110,168/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$810,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,371
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$58,125
−HK$1,781/mo
Today · 4.125%
HK$59,906
baseline
▲ 0.50% · 4.625%
HK$63,551
+HK$3,645/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$119,812/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$810,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,713
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$64,394
−HK$1,707/mo
Today · 4.125%
HK$66,101
baseline
▲ 0.50% · 4.625%
HK$69,585
+HK$3,484/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$132,202/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$810,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,767
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$67,812
−HK$2,079/mo
Today · 4.125%
HK$69,891
baseline
▲ 0.50% · 4.625%
HK$74,143
+HK$4,252/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$139,782/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$810,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,165
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$75,127
−HK$1,990/mo
Today · 4.125%
HK$77,117
baseline
▲ 0.50% · 4.625%
HK$81,182
+HK$4,065/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$154,234/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$810,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,557
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$87,187
−HK$2,672/mo
Today · 4.125%
HK$89,859
baseline
▲ 0.50% · 4.625%
HK$95,327
+HK$5,468/mo
Deposit HK$2.06M · loan HK$18.54M · min. income ≈ HK$179,718/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$810,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,069
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$96,592
−HK$2,559/mo
Today · 4.125%
HK$99,151
baseline
▲ 0.50% · 4.625%
HK$104,377
+HK$5,226/mo
Deposit HK$2.06M · loan HK$18.54M · min. income ≈ HK$198,302/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$810,123 · Scale 2, in force from 26 Feb 2026)