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$46,980
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$48,441
−HK$1,485/mo
Today · 4.125%
HK$49,926
baseline
▲ 0.50% · 4.625%
HK$52,964
+HK$3,038/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$99,852/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$810,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,265
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,666
−HK$1,422/mo
Today · 4.125%
HK$55,088
baseline
▲ 0.50% · 4.625%
HK$57,992
+HK$2,904/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$110,176/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$810,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,376
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$58,129
−HK$1,782/mo
Today · 4.125%
HK$59,911
baseline
▲ 0.50% · 4.625%
HK$63,556
+HK$3,645/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$119,822/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$810,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,717
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,400
−HK$1,706/mo
Today · 4.125%
HK$66,106
baseline
▲ 0.50% · 4.625%
HK$69,590
+HK$3,484/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$132,212/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$810,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,772
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$67,818
−HK$2,078/mo
Today · 4.125%
HK$69,896
baseline
▲ 0.50% · 4.625%
HK$74,149
+HK$4,253/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$139,792/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$810,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,170
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$75,133
−HK$1,991/mo
Today · 4.125%
HK$77,124
baseline
▲ 0.50% · 4.625%
HK$81,189
+HK$4,065/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$154,248/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$810,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,564
−HK$5,303/mo
▼ 0.25% · 3.875%
HK$87,194
−HK$2,673/mo
Today · 4.125%
HK$89,867
baseline
▲ 0.50% · 4.625%
HK$95,335
+HK$5,468/mo
Deposit HK$2.06M · loan HK$18.54M · min. income ≈ HK$179,734/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$810,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,076
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$96,599
−HK$2,560/mo
Today · 4.125%
HK$99,159
baseline
▲ 0.50% · 4.625%
HK$104,386
+HK$5,227/mo
Deposit HK$2.06M · loan HK$18.54M · min. income ≈ HK$198,318/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$810,287 · Scale 2, in force from 26 Feb 2026)