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$47,022
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$48,485
−HK$1,486/mo
Today · 4.125%
HK$49,971
baseline
▲ 0.50% · 4.625%
HK$53,012
+HK$3,041/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$99,942/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$812,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,312
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$53,715
−HK$1,423/mo
Today · 4.125%
HK$55,138
baseline
▲ 0.50% · 4.625%
HK$58,044
+HK$2,906/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$110,276/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$812,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,427
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$58,182
−HK$1,783/mo
Today · 4.125%
HK$59,965
baseline
▲ 0.50% · 4.625%
HK$63,614
+HK$3,649/mo
Deposit HK$8.25M · loan HK$12.37M · min. income ≈ HK$119,930/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$812,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,774
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$64,458
−HK$1,708/mo
Today · 4.125%
HK$66,166
baseline
▲ 0.50% · 4.625%
HK$69,653
+HK$3,487/mo
Deposit HK$8.25M · loan HK$12.37M · min. income ≈ HK$132,332/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$812,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,831
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$67,879
−HK$2,080/mo
Today · 4.125%
HK$69,959
baseline
▲ 0.50% · 4.625%
HK$74,216
+HK$4,257/mo
Deposit HK$6.19M · loan HK$14.44M · min. income ≈ HK$139,918/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$812,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,237
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$75,201
−HK$1,992/mo
Today · 4.125%
HK$77,193
baseline
▲ 0.50% · 4.625%
HK$81,262
+HK$4,069/mo
Deposit HK$6.19M · loan HK$14.44M · min. income ≈ HK$154,386/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$812,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,640
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$87,273
−HK$2,675/mo
Today · 4.125%
HK$89,948
baseline
▲ 0.50% · 4.625%
HK$95,421
+HK$5,473/mo
Deposit HK$2.06M · loan HK$18.56M · min. income ≈ HK$179,896/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$812,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,161
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$96,687
−HK$2,562/mo
Today · 4.125%
HK$99,249
baseline
▲ 0.50% · 4.625%
HK$104,480
+HK$5,231/mo
Deposit HK$2.06M · loan HK$18.56M · min. income ≈ HK$198,498/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$812,149 · Scale 2, in force from 26 Feb 2026)