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$46,966
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,427
−HK$1,484/mo
Today · 4.125%
HK$49,911
baseline
▲ 0.50% · 4.625%
HK$52,948
+HK$3,037/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$99,822/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$809,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,249
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,650
−HK$1,422/mo
Today · 4.125%
HK$55,072
baseline
▲ 0.50% · 4.625%
HK$57,975
+HK$2,903/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$110,144/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$809,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,359
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$58,112
−HK$1,781/mo
Today · 4.125%
HK$59,893
baseline
▲ 0.50% · 4.625%
HK$63,537
+HK$3,644/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$119,786/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$809,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,699
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,380
−HK$1,706/mo
Today · 4.125%
HK$66,086
baseline
▲ 0.50% · 4.625%
HK$69,570
+HK$3,484/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$132,172/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$809,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,752
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$67,797
−HK$2,078/mo
Today · 4.125%
HK$69,875
baseline
▲ 0.50% · 4.625%
HK$74,127
+HK$4,252/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$139,750/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$809,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,149
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$75,110
−HK$1,991/mo
Today · 4.125%
HK$77,101
baseline
▲ 0.50% · 4.625%
HK$81,165
+HK$4,064/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$154,202/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$809,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,538
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$87,168
−HK$2,672/mo
Today · 4.125%
HK$89,840
baseline
▲ 0.50% · 4.625%
HK$95,306
+HK$5,466/mo
Deposit HK$2.06M · loan HK$18.54M · min. income ≈ HK$179,680/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$809,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,048
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$96,570
−HK$2,559/mo
Today · 4.125%
HK$99,129
baseline
▲ 0.50% · 4.625%
HK$104,354
+HK$5,225/mo
Deposit HK$2.06M · loan HK$18.54M · min. income ≈ HK$198,258/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$809,671 · Scale 2, in force from 26 Feb 2026)