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$46,937
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$48,397
−HK$1,483/mo
Today · 4.125%
HK$49,880
baseline
▲ 0.50% · 4.625%
HK$52,915
+HK$3,035/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$99,760/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$808,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,216
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,617
−HK$1,420/mo
Today · 4.125%
HK$55,037
baseline
▲ 0.50% · 4.625%
HK$57,939
+HK$2,902/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$110,074/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$808,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,324
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$58,076
−HK$1,780/mo
Today · 4.125%
HK$59,856
baseline
▲ 0.50% · 4.625%
HK$63,498
+HK$3,642/mo
Deposit HK$8.23M · loan HK$12.35M · min. income ≈ HK$119,712/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$808,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,660
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$64,340
−HK$1,705/mo
Today · 4.125%
HK$66,045
baseline
▲ 0.50% · 4.625%
HK$69,526
+HK$3,481/mo
Deposit HK$8.23M · loan HK$12.35M · min. income ≈ HK$132,090/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$808,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,711
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$67,755
−HK$2,077/mo
Today · 4.125%
HK$69,832
baseline
▲ 0.50% · 4.625%
HK$74,081
+HK$4,249/mo
Deposit HK$6.18M · loan HK$14.41M · min. income ≈ HK$139,664/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$808,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,103
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$75,064
−HK$1,988/mo
Today · 4.125%
HK$77,052
baseline
▲ 0.50% · 4.625%
HK$81,114
+HK$4,062/mo
Deposit HK$6.18M · loan HK$14.41M · min. income ≈ HK$154,104/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$808,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,486
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$87,114
−HK$2,670/mo
Today · 4.125%
HK$89,784
baseline
▲ 0.50% · 4.625%
HK$95,247
+HK$5,463/mo
Deposit HK$2.06M · loan HK$18.53M · min. income ≈ HK$179,568/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$808,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,990
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$96,510
−HK$2,557/mo
Today · 4.125%
HK$99,067
baseline
▲ 0.50% · 4.625%
HK$104,289
+HK$5,222/mo
Deposit HK$2.06M · loan HK$18.53M · min. income ≈ HK$198,134/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$808,388 · Scale 2, in force from 26 Feb 2026)