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$47,054
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,518
−HK$1,487/mo
Today · 4.125%
HK$50,005
baseline
▲ 0.50% · 4.625%
HK$53,048
+HK$3,043/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$100,010/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$813,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,348
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,752
−HK$1,424/mo
Today · 4.125%
HK$55,176
baseline
▲ 0.50% · 4.625%
HK$58,084
+HK$2,908/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$110,352/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$813,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,465
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$58,222
−HK$1,784/mo
Today · 4.125%
HK$60,006
baseline
▲ 0.50% · 4.625%
HK$63,657
+HK$3,651/mo
Deposit HK$8.25M · loan HK$12.38M · min. income ≈ HK$120,012/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$813,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,817
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,502
−HK$1,709/mo
Today · 4.125%
HK$66,211
baseline
▲ 0.50% · 4.625%
HK$69,701
+HK$3,490/mo
Deposit HK$8.25M · loan HK$12.38M · min. income ≈ HK$132,422/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$813,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,876
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,925
−HK$2,082/mo
Today · 4.125%
HK$70,007
baseline
▲ 0.50% · 4.625%
HK$74,267
+HK$4,260/mo
Deposit HK$6.19M · loan HK$14.44M · min. income ≈ HK$140,014/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$813,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,287
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$75,252
−HK$1,994/mo
Today · 4.125%
HK$77,246
baseline
▲ 0.50% · 4.625%
HK$81,318
+HK$4,072/mo
Deposit HK$6.19M · loan HK$14.44M · min. income ≈ HK$154,492/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$813,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,698
−HK$5,311/mo
▼ 0.25% · 3.875%
HK$87,333
−HK$2,676/mo
Today · 4.125%
HK$90,009
baseline
▲ 0.50% · 4.625%
HK$95,486
+HK$5,477/mo
Deposit HK$2.06M · loan HK$18.57M · min. income ≈ HK$180,018/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$813,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,226
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$96,753
−HK$2,563/mo
Today · 4.125%
HK$99,316
baseline
▲ 0.50% · 4.625%
HK$104,551
+HK$5,235/mo
Deposit HK$2.06M · loan HK$18.57M · min. income ≈ HK$198,632/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$813,559 · Scale 2, in force from 26 Feb 2026)