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$46,999
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$48,461
−HK$1,485/mo
Today · 4.125%
HK$49,946
baseline
▲ 0.50% · 4.625%
HK$52,985
+HK$3,039/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$99,892/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$811,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,286
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,688
−HK$1,423/mo
Today · 4.125%
HK$55,111
baseline
▲ 0.50% · 4.625%
HK$58,016
+HK$2,905/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$110,222/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$811,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,399
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,153
−HK$1,782/mo
Today · 4.125%
HK$59,935
baseline
▲ 0.50% · 4.625%
HK$63,582
+HK$3,647/mo
Deposit HK$8.24M · loan HK$12.37M · min. income ≈ HK$119,870/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$811,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,743
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$64,426
−HK$1,707/mo
Today · 4.125%
HK$66,133
baseline
▲ 0.50% · 4.625%
HK$69,619
+HK$3,486/mo
Deposit HK$8.24M · loan HK$12.37M · min. income ≈ HK$132,266/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$811,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,799
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$67,845
−HK$2,080/mo
Today · 4.125%
HK$69,925
baseline
▲ 0.50% · 4.625%
HK$74,179
+HK$4,254/mo
Deposit HK$6.18M · loan HK$14.43M · min. income ≈ HK$139,850/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$811,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,200
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$75,163
−HK$1,992/mo
Today · 4.125%
HK$77,155
baseline
▲ 0.50% · 4.625%
HK$81,222
+HK$4,067/mo
Deposit HK$6.18M · loan HK$14.43M · min. income ≈ HK$154,310/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$811,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,598
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$87,230
−HK$2,673/mo
Today · 4.125%
HK$89,903
baseline
▲ 0.50% · 4.625%
HK$95,374
+HK$5,471/mo
Deposit HK$2.06M · loan HK$18.55M · min. income ≈ HK$179,806/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$811,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,115
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$96,639
−HK$2,560/mo
Today · 4.125%
HK$99,199
baseline
▲ 0.50% · 4.625%
HK$104,428
+HK$5,229/mo
Deposit HK$2.06M · loan HK$18.55M · min. income ≈ HK$198,398/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$811,128 · Scale 2, in force from 26 Feb 2026)