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$47,052
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$48,515
−HK$1,487/mo
Today · 4.125%
HK$50,002
baseline
▲ 0.50% · 4.625%
HK$53,045
+HK$3,043/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$100,004/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$813,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,345
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,748
−HK$1,425/mo
Today · 4.125%
HK$55,173
baseline
▲ 0.50% · 4.625%
HK$58,081
+HK$2,908/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$110,346/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$813,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,462
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$58,218
−HK$1,785/mo
Today · 4.125%
HK$60,003
baseline
▲ 0.50% · 4.625%
HK$63,654
+HK$3,651/mo
Deposit HK$8.25M · loan HK$12.38M · min. income ≈ HK$120,006/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$813,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,814
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$64,498
−HK$1,709/mo
Today · 4.125%
HK$66,207
baseline
▲ 0.50% · 4.625%
HK$69,697
+HK$3,490/mo
Deposit HK$8.25M · loan HK$12.38M · min. income ≈ HK$132,414/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$813,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,872
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,921
−HK$2,082/mo
Today · 4.125%
HK$70,003
baseline
▲ 0.50% · 4.625%
HK$74,263
+HK$4,260/mo
Deposit HK$6.19M · loan HK$14.44M · min. income ≈ HK$140,006/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$813,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,282
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$75,248
−HK$1,994/mo
Today · 4.125%
HK$77,242
baseline
▲ 0.50% · 4.625%
HK$81,313
+HK$4,071/mo
Deposit HK$6.19M · loan HK$14.44M · min. income ≈ HK$154,484/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$813,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,693
−HK$5,311/mo
▼ 0.25% · 3.875%
HK$87,328
−HK$2,676/mo
Today · 4.125%
HK$90,004
baseline
▲ 0.50% · 4.625%
HK$95,481
+HK$5,477/mo
Deposit HK$2.06M · loan HK$18.57M · min. income ≈ HK$180,008/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$813,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,220
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$96,747
−HK$2,564/mo
Today · 4.125%
HK$99,311
baseline
▲ 0.50% · 4.625%
HK$104,546
+HK$5,235/mo
Deposit HK$2.06M · loan HK$18.57M · min. income ≈ HK$198,622/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$813,442 · Scale 2, in force from 26 Feb 2026)