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$46,924
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$48,384
−HK$1,483/mo
Today · 4.125%
HK$49,867
baseline
▲ 0.50% · 4.625%
HK$52,901
+HK$3,034/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$99,734/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$807,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,203
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$53,603
−HK$1,420/mo
Today · 4.125%
HK$55,023
baseline
▲ 0.50% · 4.625%
HK$57,923
+HK$2,900/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$110,046/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$807,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,309
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$58,061
−HK$1,779/mo
Today · 4.125%
HK$59,840
baseline
▲ 0.50% · 4.625%
HK$63,481
+HK$3,641/mo
Deposit HK$8.23M · loan HK$12.35M · min. income ≈ HK$119,680/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$807,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,643
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$64,323
−HK$1,705/mo
Today · 4.125%
HK$66,028
baseline
▲ 0.50% · 4.625%
HK$69,508
+HK$3,480/mo
Deposit HK$8.23M · loan HK$12.35M · min. income ≈ HK$132,056/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$807,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,694
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$67,737
−HK$2,077/mo
Today · 4.125%
HK$69,814
baseline
▲ 0.50% · 4.625%
HK$74,061
+HK$4,247/mo
Deposit HK$6.17M · loan HK$14.40M · min. income ≈ HK$139,628/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$807,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,084
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$75,044
−HK$1,988/mo
Today · 4.125%
HK$77,032
baseline
▲ 0.50% · 4.625%
HK$81,093
+HK$4,061/mo
Deposit HK$6.17M · loan HK$14.40M · min. income ≈ HK$154,064/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$807,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,464
−HK$5,296/mo
▼ 0.25% · 3.875%
HK$87,091
−HK$2,669/mo
Today · 4.125%
HK$89,760
baseline
▲ 0.50% · 4.625%
HK$95,222
+HK$5,462/mo
Deposit HK$2.06M · loan HK$18.52M · min. income ≈ HK$179,520/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$807,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,965
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$96,485
−HK$2,557/mo
Today · 4.125%
HK$99,042
baseline
▲ 0.50% · 4.625%
HK$104,262
+HK$5,220/mo
Deposit HK$2.06M · loan HK$18.52M · min. income ≈ HK$198,084/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$807,849 · Scale 2, in force from 26 Feb 2026)