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$47,004
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,466
−HK$1,486/mo
Today · 4.125%
HK$49,952
baseline
▲ 0.50% · 4.625%
HK$52,991
+HK$3,039/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$99,904/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$811,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,292
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,694
−HK$1,423/mo
Today · 4.125%
HK$55,117
baseline
▲ 0.50% · 4.625%
HK$58,022
+HK$2,905/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$110,234/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$811,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,405
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,159
−HK$1,783/mo
Today · 4.125%
HK$59,942
baseline
▲ 0.50% · 4.625%
HK$63,589
+HK$3,647/mo
Deposit HK$8.25M · loan HK$12.37M · min. income ≈ HK$119,884/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$811,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,750
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$64,433
−HK$1,707/mo
Today · 4.125%
HK$66,140
baseline
▲ 0.50% · 4.625%
HK$69,626
+HK$3,486/mo
Deposit HK$8.25M · loan HK$12.37M · min. income ≈ HK$132,280/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$811,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,806
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$67,853
−HK$2,079/mo
Today · 4.125%
HK$69,932
baseline
▲ 0.50% · 4.625%
HK$74,188
+HK$4,256/mo
Deposit HK$6.18M · loan HK$14.43M · min. income ≈ HK$139,864/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$811,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,208
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$75,172
−HK$1,991/mo
Today · 4.125%
HK$77,163
baseline
▲ 0.50% · 4.625%
HK$81,231
+HK$4,068/mo
Deposit HK$6.18M · loan HK$14.43M · min. income ≈ HK$154,326/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$811,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,607
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$87,239
−HK$2,674/mo
Today · 4.125%
HK$89,913
baseline
▲ 0.50% · 4.625%
HK$95,384
+HK$5,471/mo
Deposit HK$2.06M · loan HK$18.55M · min. income ≈ HK$179,826/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$811,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,125
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$96,649
−HK$2,561/mo
Today · 4.125%
HK$99,210
baseline
▲ 0.50% · 4.625%
HK$104,440
+HK$5,230/mo
Deposit HK$2.06M · loan HK$18.55M · min. income ≈ HK$198,420/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$811,351 · Scale 2, in force from 26 Feb 2026)