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$47,002
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$48,464
−HK$1,485/mo
Today · 4.125%
HK$49,949
baseline
▲ 0.50% · 4.625%
HK$52,988
+HK$3,039/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$99,898/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$811,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,289
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,691
−HK$1,423/mo
Today · 4.125%
HK$55,114
baseline
▲ 0.50% · 4.625%
HK$58,019
+HK$2,905/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$110,228/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$811,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,402
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,156
−HK$1,783/mo
Today · 4.125%
HK$59,939
baseline
▲ 0.50% · 4.625%
HK$63,586
+HK$3,647/mo
Deposit HK$8.24M · loan HK$12.37M · min. income ≈ HK$119,878/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$811,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,747
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$64,429
−HK$1,708/mo
Today · 4.125%
HK$66,137
baseline
▲ 0.50% · 4.625%
HK$69,623
+HK$3,486/mo
Deposit HK$8.24M · loan HK$12.37M · min. income ≈ HK$132,274/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$811,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,802
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$67,849
−HK$2,080/mo
Today · 4.125%
HK$69,929
baseline
▲ 0.50% · 4.625%
HK$74,184
+HK$4,255/mo
Deposit HK$6.18M · loan HK$14.43M · min. income ≈ HK$139,858/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$811,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,204
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$75,168
−HK$1,991/mo
Today · 4.125%
HK$77,159
baseline
▲ 0.50% · 4.625%
HK$81,227
+HK$4,068/mo
Deposit HK$6.18M · loan HK$14.43M · min. income ≈ HK$154,318/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$811,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,603
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$87,235
−HK$2,673/mo
Today · 4.125%
HK$89,908
baseline
▲ 0.50% · 4.625%
HK$95,379
+HK$5,471/mo
Deposit HK$2.06M · loan HK$18.55M · min. income ≈ HK$179,816/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$811,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,120
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$96,644
−HK$2,561/mo
Today · 4.125%
HK$99,205
baseline
▲ 0.50% · 4.625%
HK$104,434
+HK$5,229/mo
Deposit HK$2.06M · loan HK$18.55M · min. income ≈ HK$198,410/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$811,244 · Scale 2, in force from 26 Feb 2026)