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$46,961
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,422
−HK$1,484/mo
Today · 4.125%
HK$49,906
baseline
▲ 0.50% · 4.625%
HK$52,943
+HK$3,037/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$99,812/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$809,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,244
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,645
−HK$1,422/mo
Today · 4.125%
HK$55,067
baseline
▲ 0.50% · 4.625%
HK$57,969
+HK$2,902/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$110,134/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$809,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,354
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,106
−HK$1,781/mo
Today · 4.125%
HK$59,887
baseline
▲ 0.50% · 4.625%
HK$63,531
+HK$3,644/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$119,774/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$809,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,693
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,374
−HK$1,706/mo
Today · 4.125%
HK$66,080
baseline
▲ 0.50% · 4.625%
HK$69,563
+HK$3,483/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$132,160/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$809,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,746
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$67,791
−HK$2,078/mo
Today · 4.125%
HK$69,869
baseline
▲ 0.50% · 4.625%
HK$74,120
+HK$4,251/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$139,738/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$809,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,141
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$75,103
−HK$1,990/mo
Today · 4.125%
HK$77,093
baseline
▲ 0.50% · 4.625%
HK$81,157
+HK$4,064/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$154,186/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$809,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,530
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$87,160
−HK$2,671/mo
Today · 4.125%
HK$89,831
baseline
▲ 0.50% · 4.625%
HK$95,297
+HK$5,466/mo
Deposit HK$2.06M · loan HK$18.54M · min. income ≈ HK$179,662/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$809,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,039
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$96,561
−HK$2,559/mo
Today · 4.125%
HK$99,120
baseline
▲ 0.50% · 4.625%
HK$104,344
+HK$5,224/mo
Deposit HK$2.06M · loan HK$18.54M · min. income ≈ HK$198,240/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$809,473 · Scale 2, in force from 26 Feb 2026)