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$46,925
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,384
−HK$1,483/mo
Today · 4.125%
HK$49,867
baseline
▲ 0.50% · 4.625%
HK$52,902
+HK$3,035/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$99,734/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$807,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,203
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,603
−HK$1,421/mo
Today · 4.125%
HK$55,024
baseline
▲ 0.50% · 4.625%
HK$57,924
+HK$2,900/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$110,048/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$807,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,310
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$58,061
−HK$1,780/mo
Today · 4.125%
HK$59,841
baseline
▲ 0.50% · 4.625%
HK$63,482
+HK$3,641/mo
Deposit HK$8.23M · loan HK$12.35M · min. income ≈ HK$119,682/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$807,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,644
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,324
−HK$1,704/mo
Today · 4.125%
HK$66,028
baseline
▲ 0.50% · 4.625%
HK$69,509
+HK$3,481/mo
Deposit HK$8.23M · loan HK$12.35M · min. income ≈ HK$132,056/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$807,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,695
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$67,738
−HK$2,076/mo
Today · 4.125%
HK$69,814
baseline
▲ 0.50% · 4.625%
HK$74,062
+HK$4,248/mo
Deposit HK$6.17M · loan HK$14.41M · min. income ≈ HK$139,628/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$807,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,085
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$75,045
−HK$1,988/mo
Today · 4.125%
HK$77,033
baseline
▲ 0.50% · 4.625%
HK$81,094
+HK$4,061/mo
Deposit HK$6.17M · loan HK$14.41M · min. income ≈ HK$154,066/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$807,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,464
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$87,092
−HK$2,669/mo
Today · 4.125%
HK$89,761
baseline
▲ 0.50% · 4.625%
HK$95,223
+HK$5,462/mo
Deposit HK$2.06M · loan HK$18.52M · min. income ≈ HK$179,522/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$807,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,966
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$96,486
−HK$2,557/mo
Today · 4.125%
HK$99,043
baseline
▲ 0.50% · 4.625%
HK$104,263
+HK$5,220/mo
Deposit HK$2.06M · loan HK$18.52M · min. income ≈ HK$198,086/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$807,869 · Scale 2, in force from 26 Feb 2026)