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$46,899
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$48,358
−HK$1,482/mo
Today · 4.125%
HK$49,840
baseline
▲ 0.50% · 4.625%
HK$52,872
+HK$3,032/mo
Deposit HK$10.28M · loan HK$10.28M · min. income ≈ HK$99,680/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$806,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,174
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$53,574
−HK$1,419/mo
Today · 4.125%
HK$54,993
baseline
▲ 0.50% · 4.625%
HK$57,892
+HK$2,899/mo
Deposit HK$10.28M · loan HK$10.28M · min. income ≈ HK$109,986/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$806,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,279
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$58,029
−HK$1,779/mo
Today · 4.125%
HK$59,808
baseline
▲ 0.50% · 4.625%
HK$63,447
+HK$3,639/mo
Deposit HK$8.23M · loan HK$12.34M · min. income ≈ HK$119,616/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$806,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,609
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$64,289
−HK$1,703/mo
Today · 4.125%
HK$65,992
baseline
▲ 0.50% · 4.625%
HK$69,470
+HK$3,478/mo
Deposit HK$8.23M · loan HK$12.34M · min. income ≈ HK$131,984/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$806,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,658
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$67,701
−HK$2,075/mo
Today · 4.125%
HK$69,776
baseline
▲ 0.50% · 4.625%
HK$74,021
+HK$4,245/mo
Deposit HK$6.17M · loan HK$14.40M · min. income ≈ HK$139,552/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$806,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,044
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$75,003
−HK$1,988/mo
Today · 4.125%
HK$76,991
baseline
▲ 0.50% · 4.625%
HK$81,049
+HK$4,058/mo
Deposit HK$6.17M · loan HK$14.40M · min. income ≈ HK$153,982/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$806,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,418
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$87,044
−HK$2,668/mo
Today · 4.125%
HK$89,712
baseline
▲ 0.50% · 4.625%
HK$95,170
+HK$5,458/mo
Deposit HK$2.06M · loan HK$18.51M · min. income ≈ HK$179,424/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$806,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,914
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$96,433
−HK$2,555/mo
Today · 4.125%
HK$98,988
baseline
▲ 0.50% · 4.625%
HK$104,206
+HK$5,218/mo
Deposit HK$2.06M · loan HK$18.51M · min. income ≈ HK$197,976/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$806,736 · Scale 2, in force from 26 Feb 2026)