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$46,957
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,418
−HK$1,484/mo
Today · 4.125%
HK$49,902
baseline
▲ 0.50% · 4.625%
HK$52,939
+HK$3,037/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$99,804/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$809,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,240
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,641
−HK$1,421/mo
Today · 4.125%
HK$55,062
baseline
▲ 0.50% · 4.625%
HK$57,964
+HK$2,902/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$110,124/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$809,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,349
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,102
−HK$1,780/mo
Today · 4.125%
HK$59,882
baseline
▲ 0.50% · 4.625%
HK$63,526
+HK$3,644/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$119,764/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$809,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,688
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,369
−HK$1,705/mo
Today · 4.125%
HK$66,074
baseline
▲ 0.50% · 4.625%
HK$69,557
+HK$3,483/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$132,148/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$809,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,740
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$67,785
−HK$2,078/mo
Today · 4.125%
HK$69,863
baseline
▲ 0.50% · 4.625%
HK$74,114
+HK$4,251/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$139,726/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$809,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,136
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$75,097
−HK$1,990/mo
Today · 4.125%
HK$77,087
baseline
▲ 0.50% · 4.625%
HK$81,150
+HK$4,063/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$154,174/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$809,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,523
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$87,153
−HK$2,671/mo
Today · 4.125%
HK$89,824
baseline
▲ 0.50% · 4.625%
HK$95,289
+HK$5,465/mo
Deposit HK$2.06M · loan HK$18.53M · min. income ≈ HK$179,648/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$809,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,031
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$96,553
−HK$2,559/mo
Today · 4.125%
HK$99,112
baseline
▲ 0.50% · 4.625%
HK$104,336
+HK$5,224/mo
Deposit HK$2.06M · loan HK$18.53M · min. income ≈ HK$198,224/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$809,305 · Scale 2, in force from 26 Feb 2026)