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$46,996
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,458
−HK$1,486/mo
Today · 4.125%
HK$49,944
baseline
▲ 0.50% · 4.625%
HK$52,982
+HK$3,038/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$99,888/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$811,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,283
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,685
−HK$1,423/mo
Today · 4.125%
HK$55,108
baseline
▲ 0.50% · 4.625%
HK$58,013
+HK$2,905/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$110,216/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$811,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,396
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,150
−HK$1,782/mo
Today · 4.125%
HK$59,932
baseline
▲ 0.50% · 4.625%
HK$63,579
+HK$3,647/mo
Deposit HK$8.24M · loan HK$12.37M · min. income ≈ HK$119,864/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$811,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,740
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,422
−HK$1,707/mo
Today · 4.125%
HK$66,129
baseline
▲ 0.50% · 4.625%
HK$69,615
+HK$3,486/mo
Deposit HK$8.24M · loan HK$12.37M · min. income ≈ HK$132,258/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$811,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,795
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$67,842
−HK$2,079/mo
Today · 4.125%
HK$69,921
baseline
▲ 0.50% · 4.625%
HK$74,175
+HK$4,254/mo
Deposit HK$6.18M · loan HK$14.43M · min. income ≈ HK$139,842/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$811,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,196
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$75,159
−HK$1,992/mo
Today · 4.125%
HK$77,151
baseline
▲ 0.50% · 4.625%
HK$81,218
+HK$4,067/mo
Deposit HK$6.18M · loan HK$14.43M · min. income ≈ HK$154,302/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$811,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,594
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$87,225
−HK$2,673/mo
Today · 4.125%
HK$89,898
baseline
▲ 0.50% · 4.625%
HK$95,368
+HK$5,470/mo
Deposit HK$2.06M · loan HK$18.55M · min. income ≈ HK$179,796/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$811,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,110
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$96,633
−HK$2,561/mo
Today · 4.125%
HK$99,194
baseline
▲ 0.50% · 4.625%
HK$104,423
+HK$5,229/mo
Deposit HK$2.06M · loan HK$18.55M · min. income ≈ HK$198,388/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$811,016 · Scale 2, in force from 26 Feb 2026)