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$47,025
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,487
−HK$1,486/mo
Today · 4.125%
HK$49,973
baseline
▲ 0.50% · 4.625%
HK$53,014
+HK$3,041/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$99,946/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$812,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,314
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,717
−HK$1,424/mo
Today · 4.125%
HK$55,141
baseline
▲ 0.50% · 4.625%
HK$58,047
+HK$2,906/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$110,282/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$812,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,430
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$58,185
−HK$1,783/mo
Today · 4.125%
HK$59,968
baseline
▲ 0.50% · 4.625%
HK$63,617
+HK$3,649/mo
Deposit HK$8.25M · loan HK$12.37M · min. income ≈ HK$119,936/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$812,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,777
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$64,461
−HK$1,708/mo
Today · 4.125%
HK$66,169
baseline
▲ 0.50% · 4.625%
HK$69,657
+HK$3,488/mo
Deposit HK$8.25M · loan HK$12.37M · min. income ≈ HK$132,338/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$812,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,834
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$67,882
−HK$2,081/mo
Today · 4.125%
HK$69,963
baseline
▲ 0.50% · 4.625%
HK$74,220
+HK$4,257/mo
Deposit HK$6.19M · loan HK$14.44M · min. income ≈ HK$139,926/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$812,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,240
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$75,204
−HK$1,993/mo
Today · 4.125%
HK$77,197
baseline
▲ 0.50% · 4.625%
HK$81,266
+HK$4,069/mo
Deposit HK$6.19M · loan HK$14.44M · min. income ≈ HK$154,394/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$812,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,644
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$87,277
−HK$2,675/mo
Today · 4.125%
HK$89,952
baseline
▲ 0.50% · 4.625%
HK$95,426
+HK$5,474/mo
Deposit HK$2.06M · loan HK$18.56M · min. income ≈ HK$179,904/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$812,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,166
−HK$5,087/mo
▼ 0.25% · 3.875%
HK$96,691
−HK$2,562/mo
Today · 4.125%
HK$99,253
baseline
▲ 0.50% · 4.625%
HK$104,485
+HK$5,232/mo
Deposit HK$2.06M · loan HK$18.56M · min. income ≈ HK$198,506/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$812,251 · Scale 2, in force from 26 Feb 2026)