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$46,991
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$48,452
−HK$1,485/mo
Today · 4.125%
HK$49,937
baseline
▲ 0.50% · 4.625%
HK$52,976
+HK$3,039/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$99,874/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$810,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,276
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,678
−HK$1,423/mo
Today · 4.125%
HK$55,101
baseline
▲ 0.50% · 4.625%
HK$58,005
+HK$2,904/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$110,202/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$810,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,389
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,143
−HK$1,782/mo
Today · 4.125%
HK$59,925
baseline
▲ 0.50% · 4.625%
HK$63,571
+HK$3,646/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$119,850/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$810,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,732
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,414
−HK$1,707/mo
Today · 4.125%
HK$66,121
baseline
▲ 0.50% · 4.625%
HK$69,606
+HK$3,485/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$132,242/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$810,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,787
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$67,833
−HK$2,079/mo
Today · 4.125%
HK$69,912
baseline
▲ 0.50% · 4.625%
HK$74,166
+HK$4,254/mo
Deposit HK$6.18M · loan HK$14.43M · min. income ≈ HK$139,824/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$810,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,187
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$75,150
−HK$1,991/mo
Today · 4.125%
HK$77,141
baseline
▲ 0.50% · 4.625%
HK$81,207
+HK$4,066/mo
Deposit HK$6.18M · loan HK$14.43M · min. income ≈ HK$154,282/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$810,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,583
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$87,214
−HK$2,673/mo
Today · 4.125%
HK$89,887
baseline
▲ 0.50% · 4.625%
HK$95,356
+HK$5,469/mo
Deposit HK$2.06M · loan HK$18.55M · min. income ≈ HK$179,774/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$810,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,098
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$96,621
−HK$2,560/mo
Today · 4.125%
HK$99,181
baseline
▲ 0.50% · 4.625%
HK$104,409
+HK$5,228/mo
Deposit HK$2.06M · loan HK$18.55M · min. income ≈ HK$198,362/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$810,756 · Scale 2, in force from 26 Feb 2026)