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$46,967
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,428
−HK$1,484/mo
Today · 4.125%
HK$49,912
baseline
▲ 0.50% · 4.625%
HK$52,949
+HK$3,037/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$99,824/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$809,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,250
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,651
−HK$1,422/mo
Today · 4.125%
HK$55,073
baseline
▲ 0.50% · 4.625%
HK$57,976
+HK$2,903/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$110,146/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$809,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,360
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$58,113
−HK$1,781/mo
Today · 4.125%
HK$59,894
baseline
▲ 0.50% · 4.625%
HK$63,539
+HK$3,645/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$119,788/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$809,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,700
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,382
−HK$1,705/mo
Today · 4.125%
HK$66,087
baseline
▲ 0.50% · 4.625%
HK$69,571
+HK$3,484/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$132,174/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$809,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,753
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$67,799
−HK$2,078/mo
Today · 4.125%
HK$69,877
baseline
▲ 0.50% · 4.625%
HK$74,129
+HK$4,252/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$139,754/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$809,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,150
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$75,112
−HK$1,990/mo
Today · 4.125%
HK$77,102
baseline
▲ 0.50% · 4.625%
HK$81,166
+HK$4,064/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$154,204/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$809,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,540
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$87,170
−HK$2,672/mo
Today · 4.125%
HK$89,842
baseline
▲ 0.50% · 4.625%
HK$95,308
+HK$5,466/mo
Deposit HK$2.06M · loan HK$18.54M · min. income ≈ HK$179,684/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$809,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,050
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$96,572
−HK$2,559/mo
Today · 4.125%
HK$99,131
baseline
▲ 0.50% · 4.625%
HK$104,357
+HK$5,226/mo
Deposit HK$2.06M · loan HK$18.54M · min. income ≈ HK$198,262/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$809,713 · Scale 2, in force from 26 Feb 2026)