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$46,962
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,423
−HK$1,484/mo
Today · 4.125%
HK$49,907
baseline
▲ 0.50% · 4.625%
HK$52,943
+HK$3,036/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$99,814/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$809,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,245
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,646
−HK$1,421/mo
Today · 4.125%
HK$55,067
baseline
▲ 0.50% · 4.625%
HK$57,970
+HK$2,903/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$110,134/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$809,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,354
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$58,107
−HK$1,781/mo
Today · 4.125%
HK$59,888
baseline
▲ 0.50% · 4.625%
HK$63,532
+HK$3,644/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$119,776/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$809,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,693
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$64,375
−HK$1,706/mo
Today · 4.125%
HK$66,081
baseline
▲ 0.50% · 4.625%
HK$69,564
+HK$3,483/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$132,162/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$809,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,747
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$67,792
−HK$2,077/mo
Today · 4.125%
HK$69,869
baseline
▲ 0.50% · 4.625%
HK$74,121
+HK$4,252/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$139,738/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$809,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,142
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$75,104
−HK$1,990/mo
Today · 4.125%
HK$77,094
baseline
▲ 0.50% · 4.625%
HK$81,158
+HK$4,064/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$154,188/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$809,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,531
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$87,161
−HK$2,671/mo
Today · 4.125%
HK$89,832
baseline
▲ 0.50% · 4.625%
HK$95,298
+HK$5,466/mo
Deposit HK$2.06M · loan HK$18.54M · min. income ≈ HK$179,664/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$809,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,040
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$96,562
−HK$2,559/mo
Today · 4.125%
HK$99,121
baseline
▲ 0.50% · 4.625%
HK$104,346
+HK$5,225/mo
Deposit HK$2.06M · loan HK$18.54M · min. income ≈ HK$198,242/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$809,496 · Scale 2, in force from 26 Feb 2026)