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$46,975
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$48,436
−HK$1,485/mo
Today · 4.125%
HK$49,921
baseline
▲ 0.50% · 4.625%
HK$52,959
+HK$3,038/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$99,842/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$810,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,260
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,661
−HK$1,422/mo
Today · 4.125%
HK$55,083
baseline
▲ 0.50% · 4.625%
HK$57,986
+HK$2,903/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$110,166/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$810,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,370
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$58,124
−HK$1,781/mo
Today · 4.125%
HK$59,905
baseline
▲ 0.50% · 4.625%
HK$63,550
+HK$3,645/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$119,810/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$810,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,711
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,393
−HK$1,707/mo
Today · 4.125%
HK$66,100
baseline
▲ 0.50% · 4.625%
HK$69,584
+HK$3,484/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$132,200/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$810,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,765
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$67,811
−HK$2,078/mo
Today · 4.125%
HK$69,889
baseline
▲ 0.50% · 4.625%
HK$74,142
+HK$4,253/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$139,778/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$810,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,163
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$75,126
−HK$1,990/mo
Today · 4.125%
HK$77,116
baseline
▲ 0.50% · 4.625%
HK$81,181
+HK$4,065/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$154,232/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$810,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,555
−HK$5,303/mo
▼ 0.25% · 3.875%
HK$87,186
−HK$2,672/mo
Today · 4.125%
HK$89,858
baseline
▲ 0.50% · 4.625%
HK$95,325
+HK$5,467/mo
Deposit HK$2.06M · loan HK$18.54M · min. income ≈ HK$179,716/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$810,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,067
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$96,590
−HK$2,559/mo
Today · 4.125%
HK$99,149
baseline
▲ 0.50% · 4.625%
HK$104,376
+HK$5,227/mo
Deposit HK$2.06M · loan HK$18.54M · min. income ≈ HK$198,298/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$810,087 · Scale 2, in force from 26 Feb 2026)