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$46,875
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,333
−HK$1,481/mo
Today · 4.125%
HK$49,814
baseline
▲ 0.50% · 4.625%
HK$52,845
+HK$3,031/mo
Deposit HK$10.28M · loan HK$10.28M · min. income ≈ HK$99,628/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$805,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,148
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$53,546
−HK$1,419/mo
Today · 4.125%
HK$54,965
baseline
▲ 0.50% · 4.625%
HK$57,862
+HK$2,897/mo
Deposit HK$10.28M · loan HK$10.28M · min. income ≈ HK$109,930/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$805,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,250
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$57,999
−HK$1,778/mo
Today · 4.125%
HK$59,777
baseline
▲ 0.50% · 4.625%
HK$63,414
+HK$3,637/mo
Deposit HK$8.22M · loan HK$12.33M · min. income ≈ HK$119,554/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$805,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,577
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$64,255
−HK$1,703/mo
Today · 4.125%
HK$65,958
baseline
▲ 0.50% · 4.625%
HK$69,435
+HK$3,477/mo
Deposit HK$8.22M · loan HK$12.33M · min. income ≈ HK$131,916/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$805,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,624
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$67,666
−HK$2,074/mo
Today · 4.125%
HK$69,740
baseline
▲ 0.50% · 4.625%
HK$73,983
+HK$4,243/mo
Deposit HK$6.17M · loan HK$14.39M · min. income ≈ HK$139,480/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$805,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,007
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$74,965
−HK$1,986/mo
Today · 4.125%
HK$76,951
baseline
▲ 0.50% · 4.625%
HK$81,007
+HK$4,056/mo
Deposit HK$6.17M · loan HK$14.39M · min. income ≈ HK$153,902/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$805,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,374
−HK$5,291/mo
▼ 0.25% · 3.875%
HK$86,999
−HK$2,666/mo
Today · 4.125%
HK$89,665
baseline
▲ 0.50% · 4.625%
HK$95,121
+HK$5,456/mo
Deposit HK$2.06M · loan HK$18.50M · min. income ≈ HK$179,330/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$805,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,866
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$96,383
−HK$2,554/mo
Today · 4.125%
HK$98,937
baseline
▲ 0.50% · 4.625%
HK$104,152
+HK$5,215/mo
Deposit HK$2.06M · loan HK$18.50M · min. income ≈ HK$197,874/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$805,674 · Scale 2, in force from 26 Feb 2026)