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$46,886
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$48,344
−HK$1,482/mo
Today · 4.125%
HK$49,826
baseline
▲ 0.50% · 4.625%
HK$52,858
+HK$3,032/mo
Deposit HK$10.28M · loan HK$10.28M · min. income ≈ HK$99,652/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$806,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,160
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$53,559
−HK$1,419/mo
Today · 4.125%
HK$54,978
baseline
▲ 0.50% · 4.625%
HK$57,876
+HK$2,898/mo
Deposit HK$10.28M · loan HK$10.28M · min. income ≈ HK$109,956/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$806,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,263
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$58,013
−HK$1,778/mo
Today · 4.125%
HK$59,791
baseline
▲ 0.50% · 4.625%
HK$63,429
+HK$3,638/mo
Deposit HK$8.22M · loan HK$12.34M · min. income ≈ HK$119,582/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$806,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,592
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$64,271
−HK$1,703/mo
Today · 4.125%
HK$65,974
baseline
▲ 0.50% · 4.625%
HK$69,451
+HK$3,477/mo
Deposit HK$8.22M · loan HK$12.34M · min. income ≈ HK$131,948/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$806,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,640
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$67,682
−HK$2,074/mo
Today · 4.125%
HK$69,756
baseline
▲ 0.50% · 4.625%
HK$74,001
+HK$4,245/mo
Deposit HK$6.17M · loan HK$14.39M · min. income ≈ HK$139,512/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$806,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,024
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$74,982
−HK$1,987/mo
Today · 4.125%
HK$76,969
baseline
▲ 0.50% · 4.625%
HK$81,026
+HK$4,057/mo
Deposit HK$6.17M · loan HK$14.39M · min. income ≈ HK$153,938/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$806,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,394
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$87,019
−HK$2,668/mo
Today · 4.125%
HK$89,687
baseline
▲ 0.50% · 4.625%
HK$95,144
+HK$5,457/mo
Deposit HK$2.06M · loan HK$18.51M · min. income ≈ HK$179,374/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$806,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,888
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$96,406
−HK$2,554/mo
Today · 4.125%
HK$98,960
baseline
▲ 0.50% · 4.625%
HK$104,177
+HK$5,217/mo
Deposit HK$2.06M · loan HK$18.51M · min. income ≈ HK$197,920/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$806,162 · Scale 2, in force from 26 Feb 2026)