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$47,037
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$48,500
−HK$1,487/mo
Today · 4.125%
HK$49,987
baseline
▲ 0.50% · 4.625%
HK$53,028
+HK$3,041/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$99,974/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$812,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,328
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,732
−HK$1,423/mo
Today · 4.125%
HK$55,155
baseline
▲ 0.50% · 4.625%
HK$58,063
+HK$2,908/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$110,310/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$812,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,444
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$58,200
−HK$1,784/mo
Today · 4.125%
HK$59,984
baseline
▲ 0.50% · 4.625%
HK$63,634
+HK$3,650/mo
Deposit HK$8.25M · loan HK$12.38M · min. income ≈ HK$119,968/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$812,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,794
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$64,478
−HK$1,708/mo
Today · 4.125%
HK$66,186
baseline
▲ 0.50% · 4.625%
HK$69,675
+HK$3,489/mo
Deposit HK$8.25M · loan HK$12.38M · min. income ≈ HK$132,372/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$812,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,852
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$67,900
−HK$2,081/mo
Today · 4.125%
HK$69,981
baseline
▲ 0.50% · 4.625%
HK$74,239
+HK$4,258/mo
Deposit HK$6.19M · loan HK$14.44M · min. income ≈ HK$139,962/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$812,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,259
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$75,224
−HK$1,993/mo
Today · 4.125%
HK$77,217
baseline
▲ 0.50% · 4.625%
HK$81,288
+HK$4,071/mo
Deposit HK$6.19M · loan HK$14.44M · min. income ≈ HK$154,434/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$812,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,667
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$87,300
−HK$2,676/mo
Today · 4.125%
HK$89,976
baseline
▲ 0.50% · 4.625%
HK$95,451
+HK$5,475/mo
Deposit HK$2.06M · loan HK$18.57M · min. income ≈ HK$179,952/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$812,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,191
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$96,717
−HK$2,562/mo
Today · 4.125%
HK$99,279
baseline
▲ 0.50% · 4.625%
HK$104,513
+HK$5,234/mo
Deposit HK$2.06M · loan HK$18.57M · min. income ≈ HK$198,558/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$812,793 · Scale 2, in force from 26 Feb 2026)