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$47,045
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$48,508
−HK$1,487/mo
Today · 4.125%
HK$49,995
baseline
▲ 0.50% · 4.625%
HK$53,037
+HK$3,042/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$99,990/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$813,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,337
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,740
−HK$1,424/mo
Today · 4.125%
HK$55,164
baseline
▲ 0.50% · 4.625%
HK$58,072
+HK$2,908/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$110,328/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$813,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,454
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$58,210
−HK$1,784/mo
Today · 4.125%
HK$59,994
baseline
▲ 0.50% · 4.625%
HK$63,644
+HK$3,650/mo
Deposit HK$8.25M · loan HK$12.38M · min. income ≈ HK$119,988/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$813,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,804
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$64,488
−HK$1,709/mo
Today · 4.125%
HK$66,197
baseline
▲ 0.50% · 4.625%
HK$69,686
+HK$3,489/mo
Deposit HK$8.25M · loan HK$12.38M · min. income ≈ HK$132,394/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$813,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,862
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,911
−HK$2,082/mo
Today · 4.125%
HK$69,993
baseline
▲ 0.50% · 4.625%
HK$74,251
+HK$4,258/mo
Deposit HK$6.19M · loan HK$14.44M · min. income ≈ HK$139,986/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$813,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,271
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$75,236
−HK$1,994/mo
Today · 4.125%
HK$77,230
baseline
▲ 0.50% · 4.625%
HK$81,301
+HK$4,071/mo
Deposit HK$6.19M · loan HK$14.44M · min. income ≈ HK$154,460/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$813,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,680
−HK$5,310/mo
▼ 0.25% · 3.875%
HK$87,314
−HK$2,676/mo
Today · 4.125%
HK$89,990
baseline
▲ 0.50% · 4.625%
HK$95,466
+HK$5,476/mo
Deposit HK$2.06M · loan HK$18.57M · min. income ≈ HK$179,980/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$813,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,206
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$96,733
−HK$2,563/mo
Today · 4.125%
HK$99,296
baseline
▲ 0.50% · 4.625%
HK$104,530
+HK$5,234/mo
Deposit HK$2.06M · loan HK$18.57M · min. income ≈ HK$198,592/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$813,128 · Scale 2, in force from 26 Feb 2026)