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$46,911
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,370
−HK$1,483/mo
Today · 4.125%
HK$49,853
baseline
▲ 0.50% · 4.625%
HK$52,886
+HK$3,033/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$99,706/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$807,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,188
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$53,587
−HK$1,420/mo
Today · 4.125%
HK$55,007
baseline
▲ 0.50% · 4.625%
HK$57,907
+HK$2,900/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$110,014/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$807,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,293
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$58,044
−HK$1,779/mo
Today · 4.125%
HK$59,823
baseline
▲ 0.50% · 4.625%
HK$63,463
+HK$3,640/mo
Deposit HK$8.23M · loan HK$12.34M · min. income ≈ HK$119,646/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$807,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,625
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,305
−HK$1,704/mo
Today · 4.125%
HK$66,009
baseline
▲ 0.50% · 4.625%
HK$69,488
+HK$3,479/mo
Deposit HK$8.23M · loan HK$12.34M · min. income ≈ HK$132,018/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$807,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,675
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$67,718
−HK$2,076/mo
Today · 4.125%
HK$69,794
baseline
▲ 0.50% · 4.625%
HK$74,040
+HK$4,246/mo
Deposit HK$6.17M · loan HK$14.40M · min. income ≈ HK$139,588/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$807,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,063
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$75,022
−HK$1,988/mo
Today · 4.125%
HK$77,010
baseline
▲ 0.50% · 4.625%
HK$81,070
+HK$4,060/mo
Deposit HK$6.17M · loan HK$14.40M · min. income ≈ HK$154,020/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$807,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,439
−HK$5,296/mo
▼ 0.25% · 3.875%
HK$87,066
−HK$2,669/mo
Today · 4.125%
HK$89,735
baseline
▲ 0.50% · 4.625%
HK$95,195
+HK$5,460/mo
Deposit HK$2.06M · loan HK$18.52M · min. income ≈ HK$179,470/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$807,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,938
−HK$5,075/mo
▼ 0.25% · 3.875%
HK$96,457
−HK$2,556/mo
Today · 4.125%
HK$99,013
baseline
▲ 0.50% · 4.625%
HK$104,232
+HK$5,219/mo
Deposit HK$2.06M · loan HK$18.52M · min. income ≈ HK$198,026/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$807,261 · Scale 2, in force from 26 Feb 2026)