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$46,928
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$48,388
−HK$1,483/mo
Today · 4.125%
HK$49,871
baseline
▲ 0.50% · 4.625%
HK$52,905
+HK$3,034/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$99,742/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$808,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,207
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$53,607
−HK$1,420/mo
Today · 4.125%
HK$55,027
baseline
▲ 0.50% · 4.625%
HK$57,928
+HK$2,901/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$110,054/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$808,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,313
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$58,065
−HK$1,780/mo
Today · 4.125%
HK$59,845
baseline
▲ 0.50% · 4.625%
HK$63,486
+HK$3,641/mo
Deposit HK$8.23M · loan HK$12.35M · min. income ≈ HK$119,690/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$808,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,648
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$64,328
−HK$1,705/mo
Today · 4.125%
HK$66,033
baseline
▲ 0.50% · 4.625%
HK$69,513
+HK$3,480/mo
Deposit HK$8.23M · loan HK$12.35M · min. income ≈ HK$132,066/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$808,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,699
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$67,743
−HK$2,076/mo
Today · 4.125%
HK$69,819
baseline
▲ 0.50% · 4.625%
HK$74,067
+HK$4,248/mo
Deposit HK$6.17M · loan HK$14.41M · min. income ≈ HK$139,638/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$808,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,089
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$75,050
−HK$1,988/mo
Today · 4.125%
HK$77,038
baseline
▲ 0.50% · 4.625%
HK$81,099
+HK$4,061/mo
Deposit HK$6.17M · loan HK$14.41M · min. income ≈ HK$154,076/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$808,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,470
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$87,098
−HK$2,669/mo
Today · 4.125%
HK$89,767
baseline
▲ 0.50% · 4.625%
HK$95,229
+HK$5,462/mo
Deposit HK$2.06M · loan HK$18.52M · min. income ≈ HK$179,534/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$808,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,972
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$96,492
−HK$2,557/mo
Today · 4.125%
HK$99,049
baseline
▲ 0.50% · 4.625%
HK$104,270
+HK$5,221/mo
Deposit HK$2.06M · loan HK$18.52M · min. income ≈ HK$198,098/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$808,006 · Scale 2, in force from 26 Feb 2026)