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$46,906
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,365
−HK$1,483/mo
Today · 4.125%
HK$49,848
baseline
▲ 0.50% · 4.625%
HK$52,881
+HK$3,033/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$99,696/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$807,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,183
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$53,582
−HK$1,420/mo
Today · 4.125%
HK$55,002
baseline
▲ 0.50% · 4.625%
HK$57,901
+HK$2,899/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$110,004/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$807,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,287
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$58,038
−HK$1,779/mo
Today · 4.125%
HK$59,817
baseline
▲ 0.50% · 4.625%
HK$63,457
+HK$3,640/mo
Deposit HK$8.23M · loan HK$12.34M · min. income ≈ HK$119,634/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$807,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,619
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$64,299
−HK$1,703/mo
Today · 4.125%
HK$66,002
baseline
▲ 0.50% · 4.625%
HK$69,481
+HK$3,479/mo
Deposit HK$8.23M · loan HK$12.34M · min. income ≈ HK$132,004/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$807,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,669
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$67,711
−HK$2,076/mo
Today · 4.125%
HK$69,787
baseline
▲ 0.50% · 4.625%
HK$74,033
+HK$4,246/mo
Deposit HK$6.17M · loan HK$14.40M · min. income ≈ HK$139,574/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$807,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,056
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$75,015
−HK$1,988/mo
Today · 4.125%
HK$77,003
baseline
▲ 0.50% · 4.625%
HK$81,062
+HK$4,059/mo
Deposit HK$6.17M · loan HK$14.40M · min. income ≈ HK$154,006/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$807,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,431
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$87,057
−HK$2,669/mo
Today · 4.125%
HK$89,726
baseline
▲ 0.50% · 4.625%
HK$95,185
+HK$5,459/mo
Deposit HK$2.06M · loan HK$18.51M · min. income ≈ HK$179,452/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$807,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,929
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$96,448
−HK$2,555/mo
Today · 4.125%
HK$99,003
baseline
▲ 0.50% · 4.625%
HK$104,222
+HK$5,219/mo
Deposit HK$2.06M · loan HK$18.51M · min. income ≈ HK$198,006/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$807,058 · Scale 2, in force from 26 Feb 2026)