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$47,009
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,471
−HK$1,486/mo
Today · 4.125%
HK$49,957
baseline
▲ 0.50% · 4.625%
HK$52,996
+HK$3,039/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$99,914/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$811,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,297
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,699
−HK$1,423/mo
Today · 4.125%
HK$55,122
baseline
▲ 0.50% · 4.625%
HK$58,028
+HK$2,906/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$110,244/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$811,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,411
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,165
−HK$1,783/mo
Today · 4.125%
HK$59,948
baseline
▲ 0.50% · 4.625%
HK$63,596
+HK$3,648/mo
Deposit HK$8.25M · loan HK$12.37M · min. income ≈ HK$119,896/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$811,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,756
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$64,439
−HK$1,708/mo
Today · 4.125%
HK$66,147
baseline
▲ 0.50% · 4.625%
HK$69,633
+HK$3,486/mo
Deposit HK$8.25M · loan HK$12.37M · min. income ≈ HK$132,294/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$811,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,812
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$67,860
−HK$2,079/mo
Today · 4.125%
HK$69,939
baseline
▲ 0.50% · 4.625%
HK$74,195
+HK$4,256/mo
Deposit HK$6.18M · loan HK$14.43M · min. income ≈ HK$139,878/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$811,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,216
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$75,179
−HK$1,992/mo
Today · 4.125%
HK$77,171
baseline
▲ 0.50% · 4.625%
HK$81,239
+HK$4,068/mo
Deposit HK$6.18M · loan HK$14.43M · min. income ≈ HK$154,342/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$811,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,616
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$87,248
−HK$2,674/mo
Today · 4.125%
HK$89,922
baseline
▲ 0.50% · 4.625%
HK$95,394
+HK$5,472/mo
Deposit HK$2.06M · loan HK$18.55M · min. income ≈ HK$179,844/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$811,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,134
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$96,659
−HK$2,561/mo
Today · 4.125%
HK$99,220
baseline
▲ 0.50% · 4.625%
HK$104,450
+HK$5,230/mo
Deposit HK$2.06M · loan HK$18.55M · min. income ≈ HK$198,440/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$811,560 · Scale 2, in force from 26 Feb 2026)