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$46,941
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,401
−HK$1,484/mo
Today · 4.125%
HK$49,885
baseline
▲ 0.50% · 4.625%
HK$52,920
+HK$3,035/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$99,770/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$808,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,222
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,622
−HK$1,421/mo
Today · 4.125%
HK$55,043
baseline
▲ 0.50% · 4.625%
HK$57,944
+HK$2,901/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$110,086/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$808,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,329
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,082
−HK$1,780/mo
Today · 4.125%
HK$59,862
baseline
▲ 0.50% · 4.625%
HK$63,504
+HK$3,642/mo
Deposit HK$8.23M · loan HK$12.35M · min. income ≈ HK$119,724/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$808,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,666
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$64,347
−HK$1,704/mo
Today · 4.125%
HK$66,051
baseline
▲ 0.50% · 4.625%
HK$69,533
+HK$3,482/mo
Deposit HK$8.23M · loan HK$12.35M · min. income ≈ HK$132,102/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$808,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,718
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$67,762
−HK$2,077/mo
Today · 4.125%
HK$69,839
baseline
▲ 0.50% · 4.625%
HK$74,088
+HK$4,249/mo
Deposit HK$6.18M · loan HK$14.41M · min. income ≈ HK$139,678/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$808,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,110
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$75,071
−HK$1,989/mo
Today · 4.125%
HK$77,060
baseline
▲ 0.50% · 4.625%
HK$81,122
+HK$4,062/mo
Deposit HK$6.18M · loan HK$14.41M · min. income ≈ HK$154,120/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$808,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,494
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$87,122
−HK$2,671/mo
Today · 4.125%
HK$89,793
baseline
▲ 0.50% · 4.625%
HK$95,256
+HK$5,463/mo
Deposit HK$2.06M · loan HK$18.53M · min. income ≈ HK$179,586/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$808,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,999
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$96,520
−HK$2,557/mo
Today · 4.125%
HK$99,077
baseline
▲ 0.50% · 4.625%
HK$104,300
+HK$5,223/mo
Deposit HK$2.06M · loan HK$18.53M · min. income ≈ HK$198,154/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$808,591 · Scale 2, in force from 26 Feb 2026)