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$46,900
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$48,359
−HK$1,482/mo
Today · 4.125%
HK$49,841
baseline
▲ 0.50% · 4.625%
HK$52,874
+HK$3,033/mo
Deposit HK$10.28M · loan HK$10.28M · min. income ≈ HK$99,682/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$806,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,176
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$53,575
−HK$1,420/mo
Today · 4.125%
HK$54,995
baseline
▲ 0.50% · 4.625%
HK$57,893
+HK$2,898/mo
Deposit HK$10.28M · loan HK$10.28M · min. income ≈ HK$109,990/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$806,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,280
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$58,030
−HK$1,779/mo
Today · 4.125%
HK$59,809
baseline
▲ 0.50% · 4.625%
HK$63,448
+HK$3,639/mo
Deposit HK$8.23M · loan HK$12.34M · min. income ≈ HK$119,618/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$806,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,611
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$64,290
−HK$1,703/mo
Today · 4.125%
HK$65,993
baseline
▲ 0.50% · 4.625%
HK$69,472
+HK$3,479/mo
Deposit HK$8.23M · loan HK$12.34M · min. income ≈ HK$131,986/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$806,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,660
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$67,702
−HK$2,075/mo
Today · 4.125%
HK$69,777
baseline
▲ 0.50% · 4.625%
HK$74,023
+HK$4,246/mo
Deposit HK$6.17M · loan HK$14.40M · min. income ≈ HK$139,554/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$806,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,046
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$75,005
−HK$1,987/mo
Today · 4.125%
HK$76,992
baseline
▲ 0.50% · 4.625%
HK$81,051
+HK$4,059/mo
Deposit HK$6.17M · loan HK$14.40M · min. income ≈ HK$153,984/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$806,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,420
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$87,046
−HK$2,668/mo
Today · 4.125%
HK$89,714
baseline
▲ 0.50% · 4.625%
HK$95,173
+HK$5,459/mo
Deposit HK$2.06M · loan HK$18.51M · min. income ≈ HK$179,428/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$806,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,916
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$96,435
−HK$2,555/mo
Today · 4.125%
HK$98,990
baseline
▲ 0.50% · 4.625%
HK$104,208
+HK$5,218/mo
Deposit HK$2.06M · loan HK$18.51M · min. income ≈ HK$197,980/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$806,782 · Scale 2, in force from 26 Feb 2026)