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$46,929
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$48,389
−HK$1,483/mo
Today · 4.125%
HK$49,872
baseline
▲ 0.50% · 4.625%
HK$52,907
+HK$3,035/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$99,744/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$808,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,209
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$53,609
−HK$1,420/mo
Today · 4.125%
HK$55,029
baseline
▲ 0.50% · 4.625%
HK$57,930
+HK$2,901/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$110,058/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$808,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,315
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$58,067
−HK$1,780/mo
Today · 4.125%
HK$59,847
baseline
▲ 0.50% · 4.625%
HK$63,488
+HK$3,641/mo
Deposit HK$8.23M · loan HK$12.35M · min. income ≈ HK$119,694/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$808,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,650
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$64,330
−HK$1,705/mo
Today · 4.125%
HK$66,035
baseline
▲ 0.50% · 4.625%
HK$69,516
+HK$3,481/mo
Deposit HK$8.23M · loan HK$12.35M · min. income ≈ HK$132,070/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$808,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,701
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$67,745
−HK$2,076/mo
Today · 4.125%
HK$69,821
baseline
▲ 0.50% · 4.625%
HK$74,070
+HK$4,249/mo
Deposit HK$6.17M · loan HK$14.41M · min. income ≈ HK$139,642/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$808,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,092
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$75,052
−HK$1,989/mo
Today · 4.125%
HK$77,041
baseline
▲ 0.50% · 4.625%
HK$81,102
+HK$4,061/mo
Deposit HK$6.17M · loan HK$14.41M · min. income ≈ HK$154,082/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$808,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,473
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$87,101
−HK$2,669/mo
Today · 4.125%
HK$89,770
baseline
▲ 0.50% · 4.625%
HK$95,232
+HK$5,462/mo
Deposit HK$2.06M · loan HK$18.52M · min. income ≈ HK$179,540/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$808,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,975
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$96,496
−HK$2,557/mo
Today · 4.125%
HK$99,053
baseline
▲ 0.50% · 4.625%
HK$104,274
+HK$5,221/mo
Deposit HK$2.06M · loan HK$18.52M · min. income ≈ HK$198,106/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$808,077 · Scale 2, in force from 26 Feb 2026)