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$46,947
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,408
−HK$1,483/mo
Today · 4.125%
HK$49,891
baseline
▲ 0.50% · 4.625%
HK$52,927
+HK$3,036/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$99,782/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$808,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,228
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,629
−HK$1,421/mo
Today · 4.125%
HK$55,050
baseline
▲ 0.50% · 4.625%
HK$57,952
+HK$2,902/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$110,100/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$808,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,337
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,089
−HK$1,781/mo
Today · 4.125%
HK$59,870
baseline
▲ 0.50% · 4.625%
HK$63,512
+HK$3,642/mo
Deposit HK$8.24M · loan HK$12.35M · min. income ≈ HK$119,740/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$808,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,674
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,355
−HK$1,705/mo
Today · 4.125%
HK$66,060
baseline
▲ 0.50% · 4.625%
HK$69,542
+HK$3,482/mo
Deposit HK$8.24M · loan HK$12.35M · min. income ≈ HK$132,120/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$808,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,726
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$67,771
−HK$2,077/mo
Today · 4.125%
HK$69,848
baseline
▲ 0.50% · 4.625%
HK$74,098
+HK$4,250/mo
Deposit HK$6.18M · loan HK$14.41M · min. income ≈ HK$139,696/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$808,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,120
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$75,081
−HK$1,989/mo
Today · 4.125%
HK$77,070
baseline
▲ 0.50% · 4.625%
HK$81,133
+HK$4,063/mo
Deposit HK$6.18M · loan HK$14.41M · min. income ≈ HK$154,140/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$808,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,505
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$87,134
−HK$2,670/mo
Today · 4.125%
HK$89,804
baseline
▲ 0.50% · 4.625%
HK$95,269
+HK$5,465/mo
Deposit HK$2.06M · loan HK$18.53M · min. income ≈ HK$179,608/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$808,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,011
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$96,532
−HK$2,558/mo
Today · 4.125%
HK$99,090
baseline
▲ 0.50% · 4.625%
HK$104,313
+HK$5,223/mo
Deposit HK$2.06M · loan HK$18.53M · min. income ≈ HK$198,180/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$808,861 · Scale 2, in force from 26 Feb 2026)