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$47,004
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$48,466
−HK$1,485/mo
Today · 4.125%
HK$49,951
baseline
▲ 0.50% · 4.625%
HK$52,991
+HK$3,040/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$99,902/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$811,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,291
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,694
−HK$1,422/mo
Today · 4.125%
HK$55,116
baseline
▲ 0.50% · 4.625%
HK$58,022
+HK$2,906/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$110,232/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$811,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,405
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,159
−HK$1,783/mo
Today · 4.125%
HK$59,942
baseline
▲ 0.50% · 4.625%
HK$63,589
+HK$3,647/mo
Deposit HK$8.25M · loan HK$12.37M · min. income ≈ HK$119,884/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$811,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,750
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$64,432
−HK$1,708/mo
Today · 4.125%
HK$66,140
baseline
▲ 0.50% · 4.625%
HK$69,626
+HK$3,486/mo
Deposit HK$8.25M · loan HK$12.37M · min. income ≈ HK$132,280/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$811,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,805
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$67,852
−HK$2,080/mo
Today · 4.125%
HK$69,932
baseline
▲ 0.50% · 4.625%
HK$74,187
+HK$4,255/mo
Deposit HK$6.18M · loan HK$14.43M · min. income ≈ HK$139,864/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$811,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,208
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$75,171
−HK$1,992/mo
Today · 4.125%
HK$77,163
baseline
▲ 0.50% · 4.625%
HK$81,230
+HK$4,067/mo
Deposit HK$6.18M · loan HK$14.43M · min. income ≈ HK$154,326/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$811,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,607
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$87,239
−HK$2,674/mo
Today · 4.125%
HK$89,913
baseline
▲ 0.50% · 4.625%
HK$95,383
+HK$5,470/mo
Deposit HK$2.06M · loan HK$18.55M · min. income ≈ HK$179,826/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$811,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,124
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$96,649
−HK$2,561/mo
Today · 4.125%
HK$99,210
baseline
▲ 0.50% · 4.625%
HK$104,439
+HK$5,229/mo
Deposit HK$2.06M · loan HK$18.55M · min. income ≈ HK$198,420/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$811,341 · Scale 2, in force from 26 Feb 2026)