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$46,926
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,385
−HK$1,483/mo
Today · 4.125%
HK$49,868
baseline
▲ 0.50% · 4.625%
HK$52,903
+HK$3,035/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$99,736/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$807,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,204
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,604
−HK$1,421/mo
Today · 4.125%
HK$55,025
baseline
▲ 0.50% · 4.625%
HK$57,925
+HK$2,900/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$110,050/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$807,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,311
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$58,062
−HK$1,780/mo
Today · 4.125%
HK$59,842
baseline
▲ 0.50% · 4.625%
HK$63,483
+HK$3,641/mo
Deposit HK$8.23M · loan HK$12.35M · min. income ≈ HK$119,684/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$807,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,645
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$64,325
−HK$1,705/mo
Today · 4.125%
HK$66,030
baseline
▲ 0.50% · 4.625%
HK$69,510
+HK$3,480/mo
Deposit HK$8.23M · loan HK$12.35M · min. income ≈ HK$132,060/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$807,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,696
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$67,739
−HK$2,077/mo
Today · 4.125%
HK$69,816
baseline
▲ 0.50% · 4.625%
HK$74,064
+HK$4,248/mo
Deposit HK$6.17M · loan HK$14.41M · min. income ≈ HK$139,632/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$807,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,086
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$75,046
−HK$1,989/mo
Today · 4.125%
HK$77,035
baseline
▲ 0.50% · 4.625%
HK$81,095
+HK$4,060/mo
Deposit HK$6.17M · loan HK$14.41M · min. income ≈ HK$154,070/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$807,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,466
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$87,093
−HK$2,670/mo
Today · 4.125%
HK$89,763
baseline
▲ 0.50% · 4.625%
HK$95,225
+HK$5,462/mo
Deposit HK$2.06M · loan HK$18.52M · min. income ≈ HK$179,526/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$807,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,968
−HK$5,076/mo
▼ 0.25% · 3.875%
HK$96,488
−HK$2,556/mo
Today · 4.125%
HK$99,044
baseline
▲ 0.50% · 4.625%
HK$104,265
+HK$5,221/mo
Deposit HK$2.06M · loan HK$18.52M · min. income ≈ HK$198,088/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$807,908 · Scale 2, in force from 26 Feb 2026)