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$46,950
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,411
−HK$1,483/mo
Today · 4.125%
HK$49,894
baseline
▲ 0.50% · 4.625%
HK$52,930
+HK$3,036/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$99,788/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$808,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,232
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,633
−HK$1,421/mo
Today · 4.125%
HK$55,054
baseline
▲ 0.50% · 4.625%
HK$57,956
+HK$2,902/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$110,108/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$808,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,340
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,093
−HK$1,780/mo
Today · 4.125%
HK$59,873
baseline
▲ 0.50% · 4.625%
HK$63,517
+HK$3,644/mo
Deposit HK$8.24M · loan HK$12.35M · min. income ≈ HK$119,746/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$808,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,678
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,359
−HK$1,705/mo
Today · 4.125%
HK$66,064
baseline
▲ 0.50% · 4.625%
HK$69,547
+HK$3,483/mo
Deposit HK$8.24M · loan HK$12.35M · min. income ≈ HK$132,128/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$808,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,730
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$67,775
−HK$2,077/mo
Today · 4.125%
HK$69,852
baseline
▲ 0.50% · 4.625%
HK$74,103
+HK$4,251/mo
Deposit HK$6.18M · loan HK$14.41M · min. income ≈ HK$139,704/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$808,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,124
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$75,086
−HK$1,989/mo
Today · 4.125%
HK$77,075
baseline
▲ 0.50% · 4.625%
HK$81,138
+HK$4,063/mo
Deposit HK$6.18M · loan HK$14.41M · min. income ≈ HK$154,150/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$808,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,511
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$87,139
−HK$2,671/mo
Today · 4.125%
HK$89,810
baseline
▲ 0.50% · 4.625%
HK$95,275
+HK$5,465/mo
Deposit HK$2.06M · loan HK$18.53M · min. income ≈ HK$179,620/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$808,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,017
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$96,539
−HK$2,558/mo
Today · 4.125%
HK$99,097
baseline
▲ 0.50% · 4.625%
HK$104,320
+HK$5,223/mo
Deposit HK$2.06M · loan HK$18.53M · min. income ≈ HK$198,194/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$808,992 · Scale 2, in force from 26 Feb 2026)