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$47,048
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$48,512
−HK$1,486/mo
Today · 4.125%
HK$49,998
baseline
▲ 0.50% · 4.625%
HK$53,041
+HK$3,043/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$99,996/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$813,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,341
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,744
−HK$1,424/mo
Today · 4.125%
HK$55,168
baseline
▲ 0.50% · 4.625%
HK$58,076
+HK$2,908/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$110,336/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$813,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,458
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$58,214
−HK$1,784/mo
Today · 4.125%
HK$59,998
baseline
▲ 0.50% · 4.625%
HK$63,649
+HK$3,651/mo
Deposit HK$8.25M · loan HK$12.38M · min. income ≈ HK$119,996/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$813,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,809
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$64,493
−HK$1,709/mo
Today · 4.125%
HK$66,202
baseline
▲ 0.50% · 4.625%
HK$69,692
+HK$3,490/mo
Deposit HK$8.25M · loan HK$12.38M · min. income ≈ HK$132,404/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$813,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,867
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,916
−HK$2,082/mo
Today · 4.125%
HK$69,998
baseline
▲ 0.50% · 4.625%
HK$74,257
+HK$4,259/mo
Deposit HK$6.19M · loan HK$14.44M · min. income ≈ HK$139,996/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$813,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,277
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$75,242
−HK$1,994/mo
Today · 4.125%
HK$77,236
baseline
▲ 0.50% · 4.625%
HK$81,307
+HK$4,071/mo
Deposit HK$6.19M · loan HK$14.44M · min. income ≈ HK$154,472/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$813,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,687
−HK$5,310/mo
▼ 0.25% · 3.875%
HK$87,321
−HK$2,676/mo
Today · 4.125%
HK$89,997
baseline
▲ 0.50% · 4.625%
HK$95,473
+HK$5,476/mo
Deposit HK$2.06M · loan HK$18.57M · min. income ≈ HK$179,994/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$813,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,213
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$96,740
−HK$2,563/mo
Today · 4.125%
HK$99,303
baseline
▲ 0.50% · 4.625%
HK$104,537
+HK$5,234/mo
Deposit HK$2.06M · loan HK$18.57M · min. income ≈ HK$198,606/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$813,283 · Scale 2, in force from 26 Feb 2026)