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$46,965
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,425
−HK$1,485/mo
Today · 4.125%
HK$49,910
baseline
▲ 0.50% · 4.625%
HK$52,947
+HK$3,037/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$99,820/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$809,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,248
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,649
−HK$1,421/mo
Today · 4.125%
HK$55,070
baseline
▲ 0.50% · 4.625%
HK$57,973
+HK$2,903/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$110,140/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$809,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,357
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$58,110
−HK$1,782/mo
Today · 4.125%
HK$59,892
baseline
▲ 0.50% · 4.625%
HK$63,536
+HK$3,644/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$119,784/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$809,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,697
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,379
−HK$1,705/mo
Today · 4.125%
HK$66,084
baseline
▲ 0.50% · 4.625%
HK$69,568
+HK$3,484/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$132,168/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$809,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,750
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$67,796
−HK$2,077/mo
Today · 4.125%
HK$69,873
baseline
▲ 0.50% · 4.625%
HK$74,125
+HK$4,252/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$139,746/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$809,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,147
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$75,108
−HK$1,990/mo
Today · 4.125%
HK$77,098
baseline
▲ 0.50% · 4.625%
HK$81,162
+HK$4,064/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$154,196/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$809,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,536
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$87,166
−HK$2,671/mo
Today · 4.125%
HK$89,837
baseline
▲ 0.50% · 4.625%
HK$95,304
+HK$5,467/mo
Deposit HK$2.06M · loan HK$18.54M · min. income ≈ HK$179,674/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$809,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,046
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$96,568
−HK$2,559/mo
Today · 4.125%
HK$99,127
baseline
▲ 0.50% · 4.625%
HK$104,352
+HK$5,225/mo
Deposit HK$2.06M · loan HK$18.54M · min. income ≈ HK$198,254/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$809,617 · Scale 2, in force from 26 Feb 2026)