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$46,970
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$48,432
−HK$1,484/mo
Today · 4.125%
HK$49,916
baseline
▲ 0.50% · 4.625%
HK$52,953
+HK$3,037/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$99,832/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$809,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,254
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,656
−HK$1,421/mo
Today · 4.125%
HK$55,077
baseline
▲ 0.50% · 4.625%
HK$57,981
+HK$2,904/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$110,154/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$809,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,365
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$58,118
−HK$1,781/mo
Today · 4.125%
HK$59,899
baseline
▲ 0.50% · 4.625%
HK$63,544
+HK$3,645/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$119,798/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$809,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,705
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$64,387
−HK$1,706/mo
Today · 4.125%
HK$66,093
baseline
▲ 0.50% · 4.625%
HK$69,577
+HK$3,484/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$132,186/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$809,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,759
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$67,804
−HK$2,078/mo
Today · 4.125%
HK$69,882
baseline
▲ 0.50% · 4.625%
HK$74,135
+HK$4,253/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$139,764/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$809,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,156
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$75,118
−HK$1,990/mo
Today · 4.125%
HK$77,108
baseline
▲ 0.50% · 4.625%
HK$81,173
+HK$4,065/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$154,216/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$809,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,547
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$87,177
−HK$2,672/mo
Today · 4.125%
HK$89,849
baseline
▲ 0.50% · 4.625%
HK$95,316
+HK$5,467/mo
Deposit HK$2.06M · loan HK$18.54M · min. income ≈ HK$179,698/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$809,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,058
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$96,580
−HK$2,559/mo
Today · 4.125%
HK$99,139
baseline
▲ 0.50% · 4.625%
HK$104,365
+HK$5,226/mo
Deposit HK$2.06M · loan HK$18.54M · min. income ≈ HK$198,278/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$809,878 · Scale 2, in force from 26 Feb 2026)