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$46,921
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,381
−HK$1,482/mo
Today · 4.125%
HK$49,863
baseline
▲ 0.50% · 4.625%
HK$52,897
+HK$3,034/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$99,726/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$807,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,199
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$53,599
−HK$1,420/mo
Today · 4.125%
HK$55,019
baseline
▲ 0.50% · 4.625%
HK$57,919
+HK$2,900/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$110,038/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$807,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,305
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$58,057
−HK$1,779/mo
Today · 4.125%
HK$59,836
baseline
▲ 0.50% · 4.625%
HK$63,477
+HK$3,641/mo
Deposit HK$8.23M · loan HK$12.35M · min. income ≈ HK$119,672/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$807,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,639
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,319
−HK$1,704/mo
Today · 4.125%
HK$66,023
baseline
▲ 0.50% · 4.625%
HK$69,503
+HK$3,480/mo
Deposit HK$8.23M · loan HK$12.35M · min. income ≈ HK$132,046/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$807,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,689
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$67,733
−HK$2,076/mo
Today · 4.125%
HK$69,809
baseline
▲ 0.50% · 4.625%
HK$74,056
+HK$4,247/mo
Deposit HK$6.17M · loan HK$14.40M · min. income ≈ HK$139,618/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$807,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,079
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$75,039
−HK$1,988/mo
Today · 4.125%
HK$77,027
baseline
▲ 0.50% · 4.625%
HK$81,087
+HK$4,060/mo
Deposit HK$6.17M · loan HK$14.40M · min. income ≈ HK$154,054/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$807,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,458
−HK$5,296/mo
▼ 0.25% · 3.875%
HK$87,085
−HK$2,669/mo
Today · 4.125%
HK$89,754
baseline
▲ 0.50% · 4.625%
HK$95,215
+HK$5,461/mo
Deposit HK$2.06M · loan HK$18.52M · min. income ≈ HK$179,508/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$807,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,958
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$96,478
−HK$2,557/mo
Today · 4.125%
HK$99,035
baseline
▲ 0.50% · 4.625%
HK$104,255
+HK$5,220/mo
Deposit HK$2.06M · loan HK$18.52M · min. income ≈ HK$198,070/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$807,708 · Scale 2, in force from 26 Feb 2026)