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$46,908
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$48,367
−HK$1,482/mo
Today · 4.125%
HK$49,849
baseline
▲ 0.50% · 4.625%
HK$52,883
+HK$3,034/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$99,698/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$807,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,184
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$53,584
−HK$1,420/mo
Today · 4.125%
HK$55,004
baseline
▲ 0.50% · 4.625%
HK$57,903
+HK$2,899/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$110,008/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$807,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,289
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$58,040
−HK$1,779/mo
Today · 4.125%
HK$59,819
baseline
▲ 0.50% · 4.625%
HK$63,459
+HK$3,640/mo
Deposit HK$8.23M · loan HK$12.34M · min. income ≈ HK$119,638/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$807,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,621
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,301
−HK$1,704/mo
Today · 4.125%
HK$66,005
baseline
▲ 0.50% · 4.625%
HK$69,484
+HK$3,479/mo
Deposit HK$8.23M · loan HK$12.34M · min. income ≈ HK$132,010/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$807,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,671
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$67,714
−HK$2,075/mo
Today · 4.125%
HK$69,789
baseline
▲ 0.50% · 4.625%
HK$74,036
+HK$4,247/mo
Deposit HK$6.17M · loan HK$14.40M · min. income ≈ HK$139,578/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$807,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,058
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$75,018
−HK$1,987/mo
Today · 4.125%
HK$77,005
baseline
▲ 0.50% · 4.625%
HK$81,064
+HK$4,059/mo
Deposit HK$6.17M · loan HK$14.40M · min. income ≈ HK$154,010/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$807,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,434
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$87,060
−HK$2,669/mo
Today · 4.125%
HK$89,729
baseline
▲ 0.50% · 4.625%
HK$95,189
+HK$5,460/mo
Deposit HK$2.06M · loan HK$18.51M · min. income ≈ HK$179,458/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$807,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,932
−HK$5,075/mo
▼ 0.25% · 3.875%
HK$96,451
−HK$2,556/mo
Today · 4.125%
HK$99,007
baseline
▲ 0.50% · 4.625%
HK$104,226
+HK$5,219/mo
Deposit HK$2.06M · loan HK$18.51M · min. income ≈ HK$198,014/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$807,129 · Scale 2, in force from 26 Feb 2026)