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$46,977
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$48,438
−HK$1,485/mo
Today · 4.125%
HK$49,923
baseline
▲ 0.50% · 4.625%
HK$52,960
+HK$3,037/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$99,846/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$810,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,261
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$53,663
−HK$1,422/mo
Today · 4.125%
HK$55,085
baseline
▲ 0.50% · 4.625%
HK$57,988
+HK$2,903/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$110,170/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$810,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,372
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$58,126
−HK$1,781/mo
Today · 4.125%
HK$59,907
baseline
▲ 0.50% · 4.625%
HK$63,552
+HK$3,645/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$119,814/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$810,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,713
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,395
−HK$1,707/mo
Today · 4.125%
HK$66,102
baseline
▲ 0.50% · 4.625%
HK$69,586
+HK$3,484/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$132,204/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$810,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,767
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$67,813
−HK$2,079/mo
Today · 4.125%
HK$69,892
baseline
▲ 0.50% · 4.625%
HK$74,144
+HK$4,252/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$139,784/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$810,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,166
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$75,128
−HK$1,990/mo
Today · 4.125%
HK$77,118
baseline
▲ 0.50% · 4.625%
HK$81,183
+HK$4,065/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$154,236/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$810,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,558
−HK$5,303/mo
▼ 0.25% · 3.875%
HK$87,188
−HK$2,673/mo
Today · 4.125%
HK$89,861
baseline
▲ 0.50% · 4.625%
HK$95,328
+HK$5,467/mo
Deposit HK$2.06M · loan HK$18.54M · min. income ≈ HK$179,722/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$810,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,070
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$96,593
−HK$2,559/mo
Today · 4.125%
HK$99,152
baseline
▲ 0.50% · 4.625%
HK$104,379
+HK$5,227/mo
Deposit HK$2.06M · loan HK$18.54M · min. income ≈ HK$198,304/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$810,150 · Scale 2, in force from 26 Feb 2026)