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$47,023
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$48,486
−HK$1,486/mo
Today · 4.125%
HK$49,972
baseline
▲ 0.50% · 4.625%
HK$53,013
+HK$3,041/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$99,944/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$812,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,313
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$53,716
−HK$1,423/mo
Today · 4.125%
HK$55,139
baseline
▲ 0.50% · 4.625%
HK$58,046
+HK$2,907/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$110,278/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$812,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,428
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$58,183
−HK$1,784/mo
Today · 4.125%
HK$59,967
baseline
▲ 0.50% · 4.625%
HK$63,615
+HK$3,648/mo
Deposit HK$8.25M · loan HK$12.37M · min. income ≈ HK$119,934/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$812,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,776
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$64,459
−HK$1,708/mo
Today · 4.125%
HK$66,167
baseline
▲ 0.50% · 4.625%
HK$69,655
+HK$3,488/mo
Deposit HK$8.25M · loan HK$12.37M · min. income ≈ HK$132,334/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$812,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,833
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$67,881
−HK$2,080/mo
Today · 4.125%
HK$69,961
baseline
▲ 0.50% · 4.625%
HK$74,218
+HK$4,257/mo
Deposit HK$6.19M · loan HK$14.44M · min. income ≈ HK$139,922/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$812,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,238
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$75,203
−HK$1,992/mo
Today · 4.125%
HK$77,195
baseline
▲ 0.50% · 4.625%
HK$81,264
+HK$4,069/mo
Deposit HK$6.19M · loan HK$14.44M · min. income ≈ HK$154,390/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$812,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,642
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$87,275
−HK$2,675/mo
Today · 4.125%
HK$89,950
baseline
▲ 0.50% · 4.625%
HK$95,423
+HK$5,473/mo
Deposit HK$2.06M · loan HK$18.56M · min. income ≈ HK$179,900/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$812,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,164
−HK$5,087/mo
▼ 0.25% · 3.875%
HK$96,689
−HK$2,562/mo
Today · 4.125%
HK$99,251
baseline
▲ 0.50% · 4.625%
HK$104,483
+HK$5,232/mo
Deposit HK$2.06M · loan HK$18.56M · min. income ≈ HK$198,502/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$812,200 · Scale 2, in force from 26 Feb 2026)