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$46,925
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$48,385
−HK$1,483/mo
Today · 4.125%
HK$49,868
baseline
▲ 0.50% · 4.625%
HK$52,902
+HK$3,034/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$99,736/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$807,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,204
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$53,604
−HK$1,420/mo
Today · 4.125%
HK$55,024
baseline
▲ 0.50% · 4.625%
HK$57,924
+HK$2,900/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$110,048/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$807,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,310
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$58,062
−HK$1,779/mo
Today · 4.125%
HK$59,841
baseline
▲ 0.50% · 4.625%
HK$63,482
+HK$3,641/mo
Deposit HK$8.23M · loan HK$12.35M · min. income ≈ HK$119,682/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$807,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,644
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$64,324
−HK$1,705/mo
Today · 4.125%
HK$66,029
baseline
▲ 0.50% · 4.625%
HK$69,509
+HK$3,480/mo
Deposit HK$8.23M · loan HK$12.35M · min. income ≈ HK$132,058/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$807,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,695
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$67,739
−HK$2,076/mo
Today · 4.125%
HK$69,815
baseline
▲ 0.50% · 4.625%
HK$74,063
+HK$4,248/mo
Deposit HK$6.17M · loan HK$14.41M · min. income ≈ HK$139,630/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$807,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,085
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$75,045
−HK$1,989/mo
Today · 4.125%
HK$77,034
baseline
▲ 0.50% · 4.625%
HK$81,094
+HK$4,060/mo
Deposit HK$6.17M · loan HK$14.41M · min. income ≈ HK$154,068/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$807,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,465
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$87,092
−HK$2,670/mo
Today · 4.125%
HK$89,762
baseline
▲ 0.50% · 4.625%
HK$95,224
+HK$5,462/mo
Deposit HK$2.06M · loan HK$18.52M · min. income ≈ HK$179,524/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$807,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,967
−HK$5,076/mo
▼ 0.25% · 3.875%
HK$96,487
−HK$2,556/mo
Today · 4.125%
HK$99,043
baseline
▲ 0.50% · 4.625%
HK$104,264
+HK$5,221/mo
Deposit HK$2.06M · loan HK$18.52M · min. income ≈ HK$198,086/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$807,885 · Scale 2, in force from 26 Feb 2026)