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$46,874
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,332
−HK$1,481/mo
Today · 4.125%
HK$49,813
baseline
▲ 0.50% · 4.625%
HK$52,844
+HK$3,031/mo
Deposit HK$10.28M · loan HK$10.28M · min. income ≈ HK$99,626/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$805,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,147
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$53,545
−HK$1,419/mo
Today · 4.125%
HK$54,964
baseline
▲ 0.50% · 4.625%
HK$57,861
+HK$2,897/mo
Deposit HK$10.28M · loan HK$10.28M · min. income ≈ HK$109,928/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$805,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,249
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$57,998
−HK$1,778/mo
Today · 4.125%
HK$59,776
baseline
▲ 0.50% · 4.625%
HK$63,413
+HK$3,637/mo
Deposit HK$8.22M · loan HK$12.33M · min. income ≈ HK$119,552/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$805,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,576
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$64,254
−HK$1,703/mo
Today · 4.125%
HK$65,957
baseline
▲ 0.50% · 4.625%
HK$69,434
+HK$3,477/mo
Deposit HK$8.22M · loan HK$12.33M · min. income ≈ HK$131,914/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$805,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,623
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$67,665
−HK$2,074/mo
Today · 4.125%
HK$69,739
baseline
▲ 0.50% · 4.625%
HK$73,982
+HK$4,243/mo
Deposit HK$6.17M · loan HK$14.39M · min. income ≈ HK$139,478/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$805,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,005
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$74,963
−HK$1,987/mo
Today · 4.125%
HK$76,950
baseline
▲ 0.50% · 4.625%
HK$81,006
+HK$4,056/mo
Deposit HK$6.17M · loan HK$14.39M · min. income ≈ HK$153,900/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$805,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,373
−HK$5,291/mo
▼ 0.25% · 3.875%
HK$86,997
−HK$2,667/mo
Today · 4.125%
HK$89,664
baseline
▲ 0.50% · 4.625%
HK$95,120
+HK$5,456/mo
Deposit HK$2.06M · loan HK$18.50M · min. income ≈ HK$179,328/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$805,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,864
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$96,382
−HK$2,553/mo
Today · 4.125%
HK$98,935
baseline
▲ 0.50% · 4.625%
HK$104,150
+HK$5,215/mo
Deposit HK$2.06M · loan HK$18.50M · min. income ≈ HK$197,870/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$805,642 · Scale 2, in force from 26 Feb 2026)