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$46,872
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,330
−HK$1,481/mo
Today · 4.125%
HK$49,811
baseline
▲ 0.50% · 4.625%
HK$52,842
+HK$3,031/mo
Deposit HK$10.28M · loan HK$10.28M · min. income ≈ HK$99,622/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$805,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,144
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$53,543
−HK$1,419/mo
Today · 4.125%
HK$54,962
baseline
▲ 0.50% · 4.625%
HK$57,859
+HK$2,897/mo
Deposit HK$10.28M · loan HK$10.28M · min. income ≈ HK$109,924/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$805,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,246
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$57,996
−HK$1,777/mo
Today · 4.125%
HK$59,773
baseline
▲ 0.50% · 4.625%
HK$63,410
+HK$3,637/mo
Deposit HK$8.22M · loan HK$12.33M · min. income ≈ HK$119,546/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$805,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,573
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$64,251
−HK$1,703/mo
Today · 4.125%
HK$65,954
baseline
▲ 0.50% · 4.625%
HK$69,430
+HK$3,476/mo
Deposit HK$8.22M · loan HK$12.33M · min. income ≈ HK$131,908/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$805,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,620
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$67,662
−HK$2,073/mo
Today · 4.125%
HK$69,735
baseline
▲ 0.50% · 4.625%
HK$73,979
+HK$4,244/mo
Deposit HK$6.17M · loan HK$14.39M · min. income ≈ HK$139,470/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$805,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,002
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$74,960
−HK$1,986/mo
Today · 4.125%
HK$76,946
baseline
▲ 0.50% · 4.625%
HK$81,002
+HK$4,056/mo
Deposit HK$6.17M · loan HK$14.39M · min. income ≈ HK$153,892/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$805,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,369
−HK$5,291/mo
▼ 0.25% · 3.875%
HK$86,993
−HK$2,667/mo
Today · 4.125%
HK$89,660
baseline
▲ 0.50% · 4.625%
HK$95,115
+HK$5,455/mo
Deposit HK$2.06M · loan HK$18.50M · min. income ≈ HK$179,320/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$805,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,860
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$96,377
−HK$2,554/mo
Today · 4.125%
HK$98,931
baseline
▲ 0.50% · 4.625%
HK$104,146
+HK$5,215/mo
Deposit HK$2.06M · loan HK$18.50M · min. income ≈ HK$197,862/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$805,547 · Scale 2, in force from 26 Feb 2026)