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$47,049
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$48,512
−HK$1,487/mo
Today · 4.125%
HK$49,999
baseline
▲ 0.50% · 4.625%
HK$53,041
+HK$3,042/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$99,998/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$813,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,341
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,745
−HK$1,424/mo
Today · 4.125%
HK$55,169
baseline
▲ 0.50% · 4.625%
HK$58,077
+HK$2,908/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$110,338/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$813,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,458
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$58,215
−HK$1,784/mo
Today · 4.125%
HK$59,999
baseline
▲ 0.50% · 4.625%
HK$63,650
+HK$3,651/mo
Deposit HK$8.25M · loan HK$12.38M · min. income ≈ HK$119,998/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$813,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,809
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,494
−HK$1,709/mo
Today · 4.125%
HK$66,203
baseline
▲ 0.50% · 4.625%
HK$69,692
+HK$3,489/mo
Deposit HK$8.25M · loan HK$12.38M · min. income ≈ HK$132,406/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$813,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,868
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,917
−HK$2,082/mo
Today · 4.125%
HK$69,999
baseline
▲ 0.50% · 4.625%
HK$74,258
+HK$4,259/mo
Deposit HK$6.19M · loan HK$14.44M · min. income ≈ HK$139,998/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$813,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,278
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$75,243
−HK$1,994/mo
Today · 4.125%
HK$77,237
baseline
▲ 0.50% · 4.625%
HK$81,308
+HK$4,071/mo
Deposit HK$6.19M · loan HK$14.44M · min. income ≈ HK$154,474/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$813,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,688
−HK$5,310/mo
▼ 0.25% · 3.875%
HK$87,322
−HK$2,676/mo
Today · 4.125%
HK$89,998
baseline
▲ 0.50% · 4.625%
HK$95,474
+HK$5,476/mo
Deposit HK$2.06M · loan HK$18.57M · min. income ≈ HK$179,996/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$813,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,214
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$96,741
−HK$2,563/mo
Today · 4.125%
HK$99,304
baseline
▲ 0.50% · 4.625%
HK$104,539
+HK$5,235/mo
Deposit HK$2.06M · loan HK$18.57M · min. income ≈ HK$198,608/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$813,306 · Scale 2, in force from 26 Feb 2026)