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$46,997
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$48,459
−HK$1,485/mo
Today · 4.125%
HK$49,944
baseline
▲ 0.50% · 4.625%
HK$52,983
+HK$3,039/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$99,888/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$811,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,284
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,686
−HK$1,423/mo
Today · 4.125%
HK$55,109
baseline
▲ 0.50% · 4.625%
HK$58,013
+HK$2,904/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$110,218/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$811,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,397
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,151
−HK$1,782/mo
Today · 4.125%
HK$59,933
baseline
▲ 0.50% · 4.625%
HK$63,580
+HK$3,647/mo
Deposit HK$8.24M · loan HK$12.37M · min. income ≈ HK$119,866/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$811,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,741
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,423
−HK$1,707/mo
Today · 4.125%
HK$66,130
baseline
▲ 0.50% · 4.625%
HK$69,616
+HK$3,486/mo
Deposit HK$8.24M · loan HK$12.37M · min. income ≈ HK$132,260/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$811,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,796
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$67,843
−HK$2,079/mo
Today · 4.125%
HK$69,922
baseline
▲ 0.50% · 4.625%
HK$74,177
+HK$4,255/mo
Deposit HK$6.18M · loan HK$14.43M · min. income ≈ HK$139,844/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$811,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,197
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$75,160
−HK$1,992/mo
Today · 4.125%
HK$77,152
baseline
▲ 0.50% · 4.625%
HK$81,219
+HK$4,067/mo
Deposit HK$6.18M · loan HK$14.43M · min. income ≈ HK$154,304/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$811,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,595
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$87,226
−HK$2,674/mo
Today · 4.125%
HK$89,900
baseline
▲ 0.50% · 4.625%
HK$95,370
+HK$5,470/mo
Deposit HK$2.06M · loan HK$18.55M · min. income ≈ HK$179,800/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$811,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,111
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$96,635
−HK$2,560/mo
Today · 4.125%
HK$99,195
baseline
▲ 0.50% · 4.625%
HK$104,424
+HK$5,229/mo
Deposit HK$2.06M · loan HK$18.55M · min. income ≈ HK$198,390/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$811,046 · Scale 2, in force from 26 Feb 2026)