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$46,866
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,323
−HK$1,482/mo
Today · 4.125%
HK$49,805
baseline
▲ 0.50% · 4.625%
HK$52,835
+HK$3,030/mo
Deposit HK$10.28M · loan HK$10.28M · min. income ≈ HK$99,610/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$805,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,138
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$53,536
−HK$1,418/mo
Today · 4.125%
HK$54,954
baseline
▲ 0.50% · 4.625%
HK$57,851
+HK$2,897/mo
Deposit HK$10.28M · loan HK$10.28M · min. income ≈ HK$109,908/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$805,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,239
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$57,988
−HK$1,777/mo
Today · 4.125%
HK$59,765
baseline
▲ 0.50% · 4.625%
HK$63,402
+HK$3,637/mo
Deposit HK$8.22M · loan HK$12.33M · min. income ≈ HK$119,530/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$805,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,565
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$64,243
−HK$1,702/mo
Today · 4.125%
HK$65,945
baseline
▲ 0.50% · 4.625%
HK$69,421
+HK$3,476/mo
Deposit HK$8.22M · loan HK$12.33M · min. income ≈ HK$131,890/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$805,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,612
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$67,653
−HK$2,073/mo
Today · 4.125%
HK$69,726
baseline
▲ 0.50% · 4.625%
HK$73,969
+HK$4,243/mo
Deposit HK$6.17M · loan HK$14.39M · min. income ≈ HK$139,452/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$805,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,993
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$74,950
−HK$1,986/mo
Today · 4.125%
HK$76,936
baseline
▲ 0.50% · 4.625%
HK$80,992
+HK$4,056/mo
Deposit HK$6.17M · loan HK$14.39M · min. income ≈ HK$153,872/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$805,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,358
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$86,982
−HK$2,666/mo
Today · 4.125%
HK$89,648
baseline
▲ 0.50% · 4.625%
HK$95,103
+HK$5,455/mo
Deposit HK$2.06M · loan HK$18.50M · min. income ≈ HK$179,296/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$805,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,848
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$96,365
−HK$2,553/mo
Today · 4.125%
HK$98,918
baseline
▲ 0.50% · 4.625%
HK$104,132
+HK$5,214/mo
Deposit HK$2.06M · loan HK$18.50M · min. income ≈ HK$197,836/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$805,281 · Scale 2, in force from 26 Feb 2026)