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$47,010
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,472
−HK$1,486/mo
Today · 4.125%
HK$49,958
baseline
▲ 0.50% · 4.625%
HK$52,998
+HK$3,040/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$99,916/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$811,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,298
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$53,701
−HK$1,423/mo
Today · 4.125%
HK$55,124
baseline
▲ 0.50% · 4.625%
HK$58,029
+HK$2,905/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$110,248/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$811,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,412
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$58,167
−HK$1,783/mo
Today · 4.125%
HK$59,950
baseline
▲ 0.50% · 4.625%
HK$63,597
+HK$3,647/mo
Deposit HK$8.25M · loan HK$12.37M · min. income ≈ HK$119,900/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$811,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,758
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$64,441
−HK$1,707/mo
Today · 4.125%
HK$66,148
baseline
▲ 0.50% · 4.625%
HK$69,635
+HK$3,487/mo
Deposit HK$8.25M · loan HK$12.37M · min. income ≈ HK$132,296/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$811,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,814
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$67,861
−HK$2,080/mo
Today · 4.125%
HK$69,941
baseline
▲ 0.50% · 4.625%
HK$74,197
+HK$4,256/mo
Deposit HK$6.18M · loan HK$14.43M · min. income ≈ HK$139,882/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$811,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,217
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$75,181
−HK$1,992/mo
Today · 4.125%
HK$77,173
baseline
▲ 0.50% · 4.625%
HK$81,241
+HK$4,068/mo
Deposit HK$6.18M · loan HK$14.43M · min. income ≈ HK$154,346/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$811,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,618
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$87,250
−HK$2,674/mo
Today · 4.125%
HK$89,924
baseline
▲ 0.50% · 4.625%
HK$95,396
+HK$5,472/mo
Deposit HK$2.06M · loan HK$18.55M · min. income ≈ HK$179,848/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$811,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,137
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$96,661
−HK$2,562/mo
Today · 4.125%
HK$99,223
baseline
▲ 0.50% · 4.625%
HK$104,453
+HK$5,230/mo
Deposit HK$2.06M · loan HK$18.55M · min. income ≈ HK$198,446/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$811,610 · Scale 2, in force from 26 Feb 2026)