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$46,944
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,405
−HK$1,483/mo
Today · 4.125%
HK$49,888
baseline
▲ 0.50% · 4.625%
HK$52,924
+HK$3,036/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$99,776/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$808,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,225
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,626
−HK$1,421/mo
Today · 4.125%
HK$55,047
baseline
▲ 0.50% · 4.625%
HK$57,948
+HK$2,901/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$110,094/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$808,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,333
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,086
−HK$1,780/mo
Today · 4.125%
HK$59,866
baseline
▲ 0.50% · 4.625%
HK$63,509
+HK$3,643/mo
Deposit HK$8.23M · loan HK$12.35M · min. income ≈ HK$119,732/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$808,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,670
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,351
−HK$1,705/mo
Today · 4.125%
HK$66,056
baseline
▲ 0.50% · 4.625%
HK$69,538
+HK$3,482/mo
Deposit HK$8.23M · loan HK$12.35M · min. income ≈ HK$132,112/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$808,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,722
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$67,766
−HK$2,078/mo
Today · 4.125%
HK$69,844
baseline
▲ 0.50% · 4.625%
HK$74,093
+HK$4,249/mo
Deposit HK$6.18M · loan HK$14.41M · min. income ≈ HK$139,688/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$808,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,115
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$75,076
−HK$1,989/mo
Today · 4.125%
HK$77,065
baseline
▲ 0.50% · 4.625%
HK$81,128
+HK$4,063/mo
Deposit HK$6.18M · loan HK$14.41M · min. income ≈ HK$154,130/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$808,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,500
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$87,128
−HK$2,671/mo
Today · 4.125%
HK$89,799
baseline
▲ 0.50% · 4.625%
HK$95,263
+HK$5,464/mo
Deposit HK$2.06M · loan HK$18.53M · min. income ≈ HK$179,598/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$808,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,005
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$96,526
−HK$2,558/mo
Today · 4.125%
HK$99,084
baseline
▲ 0.50% · 4.625%
HK$104,307
+HK$5,223/mo
Deposit HK$2.06M · loan HK$18.53M · min. income ≈ HK$198,168/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$808,734 · Scale 2, in force from 26 Feb 2026)