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$46,776
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$48,231
−HK$1,478/mo
Today · 4.125%
HK$49,709
baseline
▲ 0.50% · 4.625%
HK$52,734
+HK$3,025/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$99,418/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$801,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,038
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$53,434
−HK$1,415/mo
Today · 4.125%
HK$54,849
baseline
▲ 0.50% · 4.625%
HK$57,741
+HK$2,892/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$109,698/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$801,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,131
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$57,877
−HK$1,774/mo
Today · 4.125%
HK$59,651
baseline
▲ 0.50% · 4.625%
HK$63,281
+HK$3,630/mo
Deposit HK$8.21M · loan HK$12.31M · min. income ≈ HK$119,302/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$801,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,446
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$64,120
−HK$1,699/mo
Today · 4.125%
HK$65,819
baseline
▲ 0.50% · 4.625%
HK$69,289
+HK$3,470/mo
Deposit HK$8.21M · loan HK$12.31M · min. income ≈ HK$131,638/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$801,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,487
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$67,524
−HK$2,069/mo
Today · 4.125%
HK$69,593
baseline
▲ 0.50% · 4.625%
HK$73,828
+HK$4,235/mo
Deposit HK$6.15M · loan HK$14.36M · min. income ≈ HK$139,186/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$801,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,853
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$74,807
−HK$1,982/mo
Today · 4.125%
HK$76,789
baseline
▲ 0.50% · 4.625%
HK$80,837
+HK$4,048/mo
Deposit HK$6.15M · loan HK$14.36M · min. income ≈ HK$153,578/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$801,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,197
−HK$5,280/mo
▼ 0.25% · 3.875%
HK$86,816
−HK$2,661/mo
Today · 4.125%
HK$89,477
baseline
▲ 0.50% · 4.625%
HK$94,921
+HK$5,444/mo
Deposit HK$2.05M · loan HK$18.46M · min. income ≈ HK$178,954/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$801,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,668
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$96,181
−HK$2,548/mo
Today · 4.125%
HK$98,729
baseline
▲ 0.50% · 4.625%
HK$103,933
+HK$5,204/mo
Deposit HK$2.05M · loan HK$18.46M · min. income ≈ HK$197,458/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$801,356 · Scale 2, in force from 26 Feb 2026)