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$46,907
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,366
−HK$1,483/mo
Today · 4.125%
HK$49,849
baseline
▲ 0.50% · 4.625%
HK$52,882
+HK$3,033/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$99,698/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$807,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,184
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$53,583
−HK$1,420/mo
Today · 4.125%
HK$55,003
baseline
▲ 0.50% · 4.625%
HK$57,902
+HK$2,899/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$110,006/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$807,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,288
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$58,039
−HK$1,779/mo
Today · 4.125%
HK$59,818
baseline
▲ 0.50% · 4.625%
HK$63,458
+HK$3,640/mo
Deposit HK$8.23M · loan HK$12.34M · min. income ≈ HK$119,636/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$807,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,620
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,300
−HK$1,704/mo
Today · 4.125%
HK$66,004
baseline
▲ 0.50% · 4.625%
HK$69,483
+HK$3,479/mo
Deposit HK$8.23M · loan HK$12.34M · min. income ≈ HK$132,008/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$807,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,670
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$67,713
−HK$2,075/mo
Today · 4.125%
HK$69,788
baseline
▲ 0.50% · 4.625%
HK$74,034
+HK$4,246/mo
Deposit HK$6.17M · loan HK$14.40M · min. income ≈ HK$139,576/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$807,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,057
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$75,016
−HK$1,988/mo
Today · 4.125%
HK$77,004
baseline
▲ 0.50% · 4.625%
HK$81,063
+HK$4,059/mo
Deposit HK$6.17M · loan HK$14.40M · min. income ≈ HK$154,008/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$807,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,433
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$87,059
−HK$2,668/mo
Today · 4.125%
HK$89,727
baseline
▲ 0.50% · 4.625%
HK$95,187
+HK$5,460/mo
Deposit HK$2.06M · loan HK$18.51M · min. income ≈ HK$179,454/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$807,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,931
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$96,450
−HK$2,555/mo
Today · 4.125%
HK$99,005
baseline
▲ 0.50% · 4.625%
HK$104,224
+HK$5,219/mo
Deposit HK$2.06M · loan HK$18.51M · min. income ≈ HK$198,010/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$807,096 · Scale 2, in force from 26 Feb 2026)