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$46,975
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,436
−HK$1,484/mo
Today · 4.125%
HK$49,920
baseline
▲ 0.50% · 4.625%
HK$52,958
+HK$3,038/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$99,840/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$810,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,259
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,660
−HK$1,422/mo
Today · 4.125%
HK$55,082
baseline
▲ 0.50% · 4.625%
HK$57,986
+HK$2,904/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$110,164/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$810,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,369
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$58,123
−HK$1,781/mo
Today · 4.125%
HK$59,904
baseline
▲ 0.50% · 4.625%
HK$63,549
+HK$3,645/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$119,808/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$810,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,710
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$64,392
−HK$1,706/mo
Today · 4.125%
HK$66,098
baseline
▲ 0.50% · 4.625%
HK$69,583
+HK$3,485/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$132,196/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$810,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,764
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$67,810
−HK$2,078/mo
Today · 4.125%
HK$69,888
baseline
▲ 0.50% · 4.625%
HK$74,141
+HK$4,253/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$139,776/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$810,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,162
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$75,124
−HK$1,991/mo
Today · 4.125%
HK$77,115
baseline
▲ 0.50% · 4.625%
HK$81,180
+HK$4,065/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$154,230/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$810,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,554
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$87,184
−HK$2,672/mo
Today · 4.125%
HK$89,856
baseline
▲ 0.50% · 4.625%
HK$95,324
+HK$5,468/mo
Deposit HK$2.06M · loan HK$18.54M · min. income ≈ HK$179,712/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$810,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,066
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$96,588
−HK$2,560/mo
Today · 4.125%
HK$99,148
baseline
▲ 0.50% · 4.625%
HK$104,374
+HK$5,226/mo
Deposit HK$2.06M · loan HK$18.54M · min. income ≈ HK$198,296/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$810,055 · Scale 2, in force from 26 Feb 2026)