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$46,973
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,434
−HK$1,484/mo
Today · 4.125%
HK$49,918
baseline
▲ 0.50% · 4.625%
HK$52,956
+HK$3,038/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$99,836/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$809,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,257
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,658
−HK$1,422/mo
Today · 4.125%
HK$55,080
baseline
▲ 0.50% · 4.625%
HK$57,983
+HK$2,903/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$110,160/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$809,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,367
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$58,121
−HK$1,781/mo
Today · 4.125%
HK$59,902
baseline
▲ 0.50% · 4.625%
HK$63,547
+HK$3,645/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$119,804/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$809,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,708
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$64,390
−HK$1,706/mo
Today · 4.125%
HK$66,096
baseline
▲ 0.50% · 4.625%
HK$69,580
+HK$3,484/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$132,192/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$809,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,762
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$67,808
−HK$2,078/mo
Today · 4.125%
HK$69,886
baseline
▲ 0.50% · 4.625%
HK$74,138
+HK$4,252/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$139,772/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$809,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,160
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$75,122
−HK$1,990/mo
Today · 4.125%
HK$77,112
baseline
▲ 0.50% · 4.625%
HK$81,177
+HK$4,065/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$154,224/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$809,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,551
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$87,181
−HK$2,672/mo
Today · 4.125%
HK$89,853
baseline
▲ 0.50% · 4.625%
HK$95,321
+HK$5,468/mo
Deposit HK$2.06M · loan HK$18.54M · min. income ≈ HK$179,706/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$809,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,062
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$96,585
−HK$2,559/mo
Today · 4.125%
HK$99,144
baseline
▲ 0.50% · 4.625%
HK$104,370
+HK$5,226/mo
Deposit HK$2.06M · loan HK$18.54M · min. income ≈ HK$198,288/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$809,981 · Scale 2, in force from 26 Feb 2026)