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$47,020
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$48,483
−HK$1,486/mo
Today · 4.125%
HK$49,969
baseline
▲ 0.50% · 4.625%
HK$53,010
+HK$3,041/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$99,938/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$812,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,310
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$53,713
−HK$1,423/mo
Today · 4.125%
HK$55,136
baseline
▲ 0.50% · 4.625%
HK$58,042
+HK$2,906/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$110,272/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$812,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,425
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$58,180
−HK$1,783/mo
Today · 4.125%
HK$59,963
baseline
▲ 0.50% · 4.625%
HK$63,612
+HK$3,649/mo
Deposit HK$8.25M · loan HK$12.37M · min. income ≈ HK$119,926/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$812,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,772
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$64,455
−HK$1,708/mo
Today · 4.125%
HK$66,163
baseline
▲ 0.50% · 4.625%
HK$69,651
+HK$3,488/mo
Deposit HK$8.25M · loan HK$12.37M · min. income ≈ HK$132,326/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$812,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,829
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$67,876
−HK$2,081/mo
Today · 4.125%
HK$69,957
baseline
▲ 0.50% · 4.625%
HK$74,213
+HK$4,256/mo
Deposit HK$6.19M · loan HK$14.43M · min. income ≈ HK$139,914/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$812,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,234
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$75,198
−HK$1,992/mo
Today · 4.125%
HK$77,190
baseline
▲ 0.50% · 4.625%
HK$81,259
+HK$4,069/mo
Deposit HK$6.19M · loan HK$14.43M · min. income ≈ HK$154,380/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$812,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,637
−HK$5,307/mo
▼ 0.25% · 3.875%
HK$87,270
−HK$2,674/mo
Today · 4.125%
HK$89,944
baseline
▲ 0.50% · 4.625%
HK$95,417
+HK$5,473/mo
Deposit HK$2.06M · loan HK$18.56M · min. income ≈ HK$179,888/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$812,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,158
−HK$5,087/mo
▼ 0.25% · 3.875%
HK$96,683
−HK$2,562/mo
Today · 4.125%
HK$99,245
baseline
▲ 0.50% · 4.625%
HK$104,476
+HK$5,231/mo
Deposit HK$2.06M · loan HK$18.56M · min. income ≈ HK$198,490/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$812,071 · Scale 2, in force from 26 Feb 2026)