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$46,862
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$48,319
−HK$1,481/mo
Today · 4.125%
HK$49,800
baseline
▲ 0.50% · 4.625%
HK$52,831
+HK$3,031/mo
Deposit HK$10.28M · loan HK$10.28M · min. income ≈ HK$99,600/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$805,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,133
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$53,531
−HK$1,419/mo
Today · 4.125%
HK$54,950
baseline
▲ 0.50% · 4.625%
HK$57,846
+HK$2,896/mo
Deposit HK$10.28M · loan HK$10.28M · min. income ≈ HK$109,900/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$805,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,234
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$57,983
−HK$1,777/mo
Today · 4.125%
HK$59,760
baseline
▲ 0.50% · 4.625%
HK$63,397
+HK$3,637/mo
Deposit HK$8.22M · loan HK$12.33M · min. income ≈ HK$119,520/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$805,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,560
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$64,238
−HK$1,702/mo
Today · 4.125%
HK$65,940
baseline
▲ 0.50% · 4.625%
HK$69,415
+HK$3,475/mo
Deposit HK$8.22M · loan HK$12.33M · min. income ≈ HK$131,880/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$805,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,606
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$67,647
−HK$2,073/mo
Today · 4.125%
HK$69,720
baseline
▲ 0.50% · 4.625%
HK$73,963
+HK$4,243/mo
Deposit HK$6.17M · loan HK$14.39M · min. income ≈ HK$139,440/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$805,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,986
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$74,944
−HK$1,986/mo
Today · 4.125%
HK$76,930
baseline
▲ 0.50% · 4.625%
HK$80,985
+HK$4,055/mo
Deposit HK$6.17M · loan HK$14.39M · min. income ≈ HK$153,860/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$805,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,351
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$86,975
−HK$2,666/mo
Today · 4.125%
HK$89,641
baseline
▲ 0.50% · 4.625%
HK$95,095
+HK$5,454/mo
Deposit HK$2.06M · loan HK$18.50M · min. income ≈ HK$179,282/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$805,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,840
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$96,356
−HK$2,553/mo
Today · 4.125%
HK$98,909
baseline
▲ 0.50% · 4.625%
HK$104,123
+HK$5,214/mo
Deposit HK$2.06M · loan HK$18.50M · min. income ≈ HK$197,818/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$805,104 · Scale 2, in force from 26 Feb 2026)