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$47,032
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$48,495
−HK$1,486/mo
Today · 4.125%
HK$49,981
baseline
▲ 0.50% · 4.625%
HK$53,022
+HK$3,041/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$99,962/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$812,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,322
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,726
−HK$1,423/mo
Today · 4.125%
HK$55,149
baseline
▲ 0.50% · 4.625%
HK$58,056
+HK$2,907/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$110,298/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$812,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,438
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$58,194
−HK$1,783/mo
Today · 4.125%
HK$59,977
baseline
▲ 0.50% · 4.625%
HK$63,627
+HK$3,650/mo
Deposit HK$8.25M · loan HK$12.38M · min. income ≈ HK$119,954/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$812,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,787
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$64,471
−HK$1,708/mo
Today · 4.125%
HK$66,179
baseline
▲ 0.50% · 4.625%
HK$69,667
+HK$3,488/mo
Deposit HK$8.25M · loan HK$12.38M · min. income ≈ HK$132,358/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$812,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,844
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$67,893
−HK$2,080/mo
Today · 4.125%
HK$69,973
baseline
▲ 0.50% · 4.625%
HK$74,231
+HK$4,258/mo
Deposit HK$6.19M · loan HK$14.44M · min. income ≈ HK$139,946/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$812,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,251
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$75,216
−HK$1,993/mo
Today · 4.125%
HK$77,209
baseline
▲ 0.50% · 4.625%
HK$81,279
+HK$4,070/mo
Deposit HK$6.19M · loan HK$14.44M · min. income ≈ HK$154,418/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$812,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,657
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$87,290
−HK$2,676/mo
Today · 4.125%
HK$89,966
baseline
▲ 0.50% · 4.625%
HK$95,440
+HK$5,474/mo
Deposit HK$2.06M · loan HK$18.56M · min. income ≈ HK$179,932/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$812,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,180
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$96,706
−HK$2,562/mo
Today · 4.125%
HK$99,268
baseline
▲ 0.50% · 4.625%
HK$104,501
+HK$5,233/mo
Deposit HK$2.06M · loan HK$18.56M · min. income ≈ HK$198,536/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$812,564 · Scale 2, in force from 26 Feb 2026)