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$46,865
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,323
−HK$1,481/mo
Today · 4.125%
HK$49,804
baseline
▲ 0.50% · 4.625%
HK$52,834
+HK$3,030/mo
Deposit HK$10.28M · loan HK$10.28M · min. income ≈ HK$99,608/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$805,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,137
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$53,535
−HK$1,419/mo
Today · 4.125%
HK$54,954
baseline
▲ 0.50% · 4.625%
HK$57,850
+HK$2,896/mo
Deposit HK$10.28M · loan HK$10.28M · min. income ≈ HK$109,908/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$805,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,238
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$57,987
−HK$1,777/mo
Today · 4.125%
HK$59,764
baseline
▲ 0.50% · 4.625%
HK$63,401
+HK$3,637/mo
Deposit HK$8.22M · loan HK$12.33M · min. income ≈ HK$119,528/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$805,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,564
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$64,242
−HK$1,702/mo
Today · 4.125%
HK$65,944
baseline
▲ 0.50% · 4.625%
HK$69,420
+HK$3,476/mo
Deposit HK$8.22M · loan HK$12.33M · min. income ≈ HK$131,888/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$805,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,611
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$67,652
−HK$2,073/mo
Today · 4.125%
HK$69,725
baseline
▲ 0.50% · 4.625%
HK$73,968
+HK$4,243/mo
Deposit HK$6.17M · loan HK$14.39M · min. income ≈ HK$139,450/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$805,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,991
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$74,949
−HK$1,986/mo
Today · 4.125%
HK$76,935
baseline
▲ 0.50% · 4.625%
HK$80,990
+HK$4,055/mo
Deposit HK$6.17M · loan HK$14.39M · min. income ≈ HK$153,870/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$805,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,357
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$86,981
−HK$2,666/mo
Today · 4.125%
HK$89,647
baseline
▲ 0.50% · 4.625%
HK$95,102
+HK$5,455/mo
Deposit HK$2.06M · loan HK$18.50M · min. income ≈ HK$179,294/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$805,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,846
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$96,363
−HK$2,553/mo
Today · 4.125%
HK$98,916
baseline
▲ 0.50% · 4.625%
HK$104,130
+HK$5,214/mo
Deposit HK$2.06M · loan HK$18.50M · min. income ≈ HK$197,832/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$805,247 · Scale 2, in force from 26 Feb 2026)