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$47,035
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$48,498
−HK$1,486/mo
Today · 4.125%
HK$49,984
baseline
▲ 0.50% · 4.625%
HK$53,026
+HK$3,042/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$99,968/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$812,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,326
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,729
−HK$1,424/mo
Today · 4.125%
HK$55,153
baseline
▲ 0.50% · 4.625%
HK$58,060
+HK$2,907/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$110,306/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$812,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,442
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$58,197
−HK$1,784/mo
Today · 4.125%
HK$59,981
baseline
▲ 0.50% · 4.625%
HK$63,631
+HK$3,650/mo
Deposit HK$8.25M · loan HK$12.38M · min. income ≈ HK$119,962/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$812,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,791
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$64,475
−HK$1,708/mo
Today · 4.125%
HK$66,183
baseline
▲ 0.50% · 4.625%
HK$69,672
+HK$3,489/mo
Deposit HK$8.25M · loan HK$12.38M · min. income ≈ HK$132,366/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$812,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,849
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$67,897
−HK$2,081/mo
Today · 4.125%
HK$69,978
baseline
▲ 0.50% · 4.625%
HK$74,236
+HK$4,258/mo
Deposit HK$6.19M · loan HK$14.44M · min. income ≈ HK$139,956/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$812,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,256
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$75,220
−HK$1,994/mo
Today · 4.125%
HK$77,214
baseline
▲ 0.50% · 4.625%
HK$81,284
+HK$4,070/mo
Deposit HK$6.19M · loan HK$14.44M · min. income ≈ HK$154,428/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$812,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,662
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$87,296
−HK$2,675/mo
Today · 4.125%
HK$89,971
baseline
▲ 0.50% · 4.625%
HK$95,446
+HK$5,475/mo
Deposit HK$2.06M · loan HK$18.56M · min. income ≈ HK$179,942/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$812,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,186
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$96,712
−HK$2,563/mo
Today · 4.125%
HK$99,275
baseline
▲ 0.50% · 4.625%
HK$104,508
+HK$5,233/mo
Deposit HK$2.06M · loan HK$18.56M · min. income ≈ HK$198,550/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$812,692 · Scale 2, in force from 26 Feb 2026)