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$46,879
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,337
−HK$1,481/mo
Today · 4.125%
HK$49,818
baseline
▲ 0.50% · 4.625%
HK$52,850
+HK$3,032/mo
Deposit HK$10.28M · loan HK$10.28M · min. income ≈ HK$99,636/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$805,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,152
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$53,551
−HK$1,419/mo
Today · 4.125%
HK$54,970
baseline
▲ 0.50% · 4.625%
HK$57,867
+HK$2,897/mo
Deposit HK$10.28M · loan HK$10.28M · min. income ≈ HK$109,940/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$805,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,254
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$58,004
−HK$1,778/mo
Today · 4.125%
HK$59,782
baseline
▲ 0.50% · 4.625%
HK$63,420
+HK$3,638/mo
Deposit HK$8.22M · loan HK$12.34M · min. income ≈ HK$119,564/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$805,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,583
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$64,261
−HK$1,703/mo
Today · 4.125%
HK$65,964
baseline
▲ 0.50% · 4.625%
HK$69,441
+HK$3,477/mo
Deposit HK$8.22M · loan HK$12.34M · min. income ≈ HK$131,928/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$805,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,630
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$67,672
−HK$2,074/mo
Today · 4.125%
HK$69,746
baseline
▲ 0.50% · 4.625%
HK$73,990
+HK$4,244/mo
Deposit HK$6.17M · loan HK$14.39M · min. income ≈ HK$139,492/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$805,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,013
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$74,971
−HK$1,987/mo
Today · 4.125%
HK$76,958
baseline
▲ 0.50% · 4.625%
HK$81,014
+HK$4,056/mo
Deposit HK$6.17M · loan HK$14.39M · min. income ≈ HK$153,916/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$805,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,382
−HK$5,291/mo
▼ 0.25% · 3.875%
HK$87,006
−HK$2,667/mo
Today · 4.125%
HK$89,673
baseline
▲ 0.50% · 4.625%
HK$95,130
+HK$5,457/mo
Deposit HK$2.06M · loan HK$18.50M · min. income ≈ HK$179,346/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$805,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,874
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$96,391
−HK$2,555/mo
Today · 4.125%
HK$98,946
baseline
▲ 0.50% · 4.625%
HK$104,161
+HK$5,215/mo
Deposit HK$2.06M · loan HK$18.50M · min. income ≈ HK$197,892/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$805,854 · Scale 2, in force from 26 Feb 2026)