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$47,015
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$48,478
−HK$1,486/mo
Today · 4.125%
HK$49,964
baseline
▲ 0.50% · 4.625%
HK$53,004
+HK$3,040/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$99,928/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$811,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,304
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$53,707
−HK$1,423/mo
Today · 4.125%
HK$55,130
baseline
▲ 0.50% · 4.625%
HK$58,036
+HK$2,906/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$110,260/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$811,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,419
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,173
−HK$1,783/mo
Today · 4.125%
HK$59,956
baseline
▲ 0.50% · 4.625%
HK$63,605
+HK$3,649/mo
Deposit HK$8.25M · loan HK$12.37M · min. income ≈ HK$119,912/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$811,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,765
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$64,448
−HK$1,708/mo
Today · 4.125%
HK$66,156
baseline
▲ 0.50% · 4.625%
HK$69,643
+HK$3,487/mo
Deposit HK$8.25M · loan HK$12.37M · min. income ≈ HK$132,312/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$811,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,822
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$67,869
−HK$2,080/mo
Today · 4.125%
HK$69,949
baseline
▲ 0.50% · 4.625%
HK$74,205
+HK$4,256/mo
Deposit HK$6.19M · loan HK$14.43M · min. income ≈ HK$139,898/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$811,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,226
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$75,190
−HK$1,992/mo
Today · 4.125%
HK$77,182
baseline
▲ 0.50% · 4.625%
HK$81,250
+HK$4,068/mo
Deposit HK$6.19M · loan HK$14.43M · min. income ≈ HK$154,364/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$811,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,628
−HK$5,307/mo
▼ 0.25% · 3.875%
HK$87,260
−HK$2,675/mo
Today · 4.125%
HK$89,935
baseline
▲ 0.50% · 4.625%
HK$95,407
+HK$5,472/mo
Deposit HK$2.06M · loan HK$18.56M · min. income ≈ HK$179,870/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$811,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,148
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$96,673
−HK$2,561/mo
Today · 4.125%
HK$99,234
baseline
▲ 0.50% · 4.625%
HK$104,465
+HK$5,231/mo
Deposit HK$2.06M · loan HK$18.56M · min. income ≈ HK$198,468/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$811,849 · Scale 2, in force from 26 Feb 2026)