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$46,775
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$48,230
−HK$1,479/mo
Today · 4.125%
HK$49,709
baseline
▲ 0.50% · 4.625%
HK$52,733
+HK$3,024/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$99,418/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$801,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,037
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$53,433
−HK$1,415/mo
Today · 4.125%
HK$54,848
baseline
▲ 0.50% · 4.625%
HK$57,740
+HK$2,892/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$109,696/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$801,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,130
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$57,876
−HK$1,774/mo
Today · 4.125%
HK$59,650
baseline
▲ 0.50% · 4.625%
HK$63,280
+HK$3,630/mo
Deposit HK$8.21M · loan HK$12.31M · min. income ≈ HK$119,300/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$801,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,445
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$64,119
−HK$1,699/mo
Today · 4.125%
HK$65,818
baseline
▲ 0.50% · 4.625%
HK$69,288
+HK$3,470/mo
Deposit HK$8.21M · loan HK$12.31M · min. income ≈ HK$131,636/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$801,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,485
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$67,522
−HK$2,070/mo
Today · 4.125%
HK$69,592
baseline
▲ 0.50% · 4.625%
HK$73,826
+HK$4,234/mo
Deposit HK$6.15M · loan HK$14.36M · min. income ≈ HK$139,184/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$801,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,852
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$74,806
−HK$1,982/mo
Today · 4.125%
HK$76,788
baseline
▲ 0.50% · 4.625%
HK$80,835
+HK$4,047/mo
Deposit HK$6.15M · loan HK$14.36M · min. income ≈ HK$153,576/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$801,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,196
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$86,815
−HK$2,660/mo
Today · 4.125%
HK$89,475
baseline
▲ 0.50% · 4.625%
HK$94,920
+HK$5,445/mo
Deposit HK$2.05M · loan HK$18.46M · min. income ≈ HK$178,950/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$801,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,667
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$96,179
−HK$2,548/mo
Today · 4.125%
HK$98,727
baseline
▲ 0.50% · 4.625%
HK$103,931
+HK$5,204/mo
Deposit HK$2.05M · loan HK$18.46M · min. income ≈ HK$197,454/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$801,319 · Scale 2, in force from 26 Feb 2026)