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$46,897
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$48,356
−HK$1,482/mo
Today · 4.125%
HK$49,838
baseline
▲ 0.50% · 4.625%
HK$52,870
+HK$3,032/mo
Deposit HK$10.28M · loan HK$10.28M · min. income ≈ HK$99,676/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$806,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,172
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$53,572
−HK$1,419/mo
Today · 4.125%
HK$54,991
baseline
▲ 0.50% · 4.625%
HK$57,890
+HK$2,899/mo
Deposit HK$10.28M · loan HK$10.28M · min. income ≈ HK$109,982/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$806,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,276
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$58,027
−HK$1,778/mo
Today · 4.125%
HK$59,805
baseline
▲ 0.50% · 4.625%
HK$63,444
+HK$3,639/mo
Deposit HK$8.23M · loan HK$12.34M · min. income ≈ HK$119,610/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$806,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,607
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$64,286
−HK$1,703/mo
Today · 4.125%
HK$65,989
baseline
▲ 0.50% · 4.625%
HK$69,468
+HK$3,479/mo
Deposit HK$8.23M · loan HK$12.34M · min. income ≈ HK$131,978/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$806,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,656
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$67,698
−HK$2,075/mo
Today · 4.125%
HK$69,773
baseline
▲ 0.50% · 4.625%
HK$74,019
+HK$4,246/mo
Deposit HK$6.17M · loan HK$14.40M · min. income ≈ HK$139,546/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$806,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,041
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$75,000
−HK$1,988/mo
Today · 4.125%
HK$76,988
baseline
▲ 0.50% · 4.625%
HK$81,046
+HK$4,058/mo
Deposit HK$6.17M · loan HK$14.40M · min. income ≈ HK$153,976/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$806,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,415
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$87,040
−HK$2,668/mo
Today · 4.125%
HK$89,708
baseline
▲ 0.50% · 4.625%
HK$95,167
+HK$5,459/mo
Deposit HK$2.06M · loan HK$18.51M · min. income ≈ HK$179,416/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$806,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,910
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$96,429
−HK$2,555/mo
Today · 4.125%
HK$98,984
baseline
▲ 0.50% · 4.625%
HK$104,202
+HK$5,218/mo
Deposit HK$2.06M · loan HK$18.51M · min. income ≈ HK$197,968/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$806,656 · Scale 2, in force from 26 Feb 2026)