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$46,977
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$48,439
−HK$1,484/mo
Today · 4.125%
HK$49,923
baseline
▲ 0.50% · 4.625%
HK$52,961
+HK$3,038/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$99,846/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$810,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,262
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,664
−HK$1,421/mo
Today · 4.125%
HK$55,085
baseline
▲ 0.50% · 4.625%
HK$57,989
+HK$2,904/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$110,170/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$810,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,373
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$58,126
−HK$1,782/mo
Today · 4.125%
HK$59,908
baseline
▲ 0.50% · 4.625%
HK$63,553
+HK$3,645/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$119,816/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$810,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,714
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$64,396
−HK$1,706/mo
Today · 4.125%
HK$66,102
baseline
▲ 0.50% · 4.625%
HK$69,587
+HK$3,485/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$132,204/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$810,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,768
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$67,814
−HK$2,079/mo
Today · 4.125%
HK$69,893
baseline
▲ 0.50% · 4.625%
HK$74,145
+HK$4,252/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$139,786/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$810,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,167
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$75,129
−HK$1,991/mo
Today · 4.125%
HK$77,120
baseline
▲ 0.50% · 4.625%
HK$81,185
+HK$4,065/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$154,240/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$810,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,559
−HK$5,303/mo
▼ 0.25% · 3.875%
HK$87,190
−HK$2,672/mo
Today · 4.125%
HK$89,862
baseline
▲ 0.50% · 4.625%
HK$95,330
+HK$5,468/mo
Deposit HK$2.06M · loan HK$18.54M · min. income ≈ HK$179,724/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$810,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,071
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$96,594
−HK$2,560/mo
Today · 4.125%
HK$99,154
baseline
▲ 0.50% · 4.625%
HK$104,380
+HK$5,226/mo
Deposit HK$2.06M · loan HK$18.54M · min. income ≈ HK$198,308/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$810,180 · Scale 2, in force from 26 Feb 2026)