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$46,955
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,416
−HK$1,483/mo
Today · 4.125%
HK$49,899
baseline
▲ 0.50% · 4.625%
HK$52,936
+HK$3,037/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$99,798/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$809,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,237
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,638
−HK$1,421/mo
Today · 4.125%
HK$55,059
baseline
▲ 0.50% · 4.625%
HK$57,961
+HK$2,902/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$110,118/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$809,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,346
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,099
−HK$1,780/mo
Today · 4.125%
HK$59,879
baseline
▲ 0.50% · 4.625%
HK$63,523
+HK$3,644/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$119,758/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$809,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,684
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,365
−HK$1,706/mo
Today · 4.125%
HK$66,071
baseline
▲ 0.50% · 4.625%
HK$69,554
+HK$3,483/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$132,142/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$809,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,737
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$67,782
−HK$2,077/mo
Today · 4.125%
HK$69,859
baseline
▲ 0.50% · 4.625%
HK$74,110
+HK$4,251/mo
Deposit HK$6.18M · loan HK$14.41M · min. income ≈ HK$139,718/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$809,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,132
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$75,093
−HK$1,990/mo
Today · 4.125%
HK$77,083
baseline
▲ 0.50% · 4.625%
HK$81,146
+HK$4,063/mo
Deposit HK$6.18M · loan HK$14.41M · min. income ≈ HK$154,166/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$809,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,519
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$87,148
−HK$2,671/mo
Today · 4.125%
HK$89,819
baseline
▲ 0.50% · 4.625%
HK$95,284
+HK$5,465/mo
Deposit HK$2.06M · loan HK$18.53M · min. income ≈ HK$179,638/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$809,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,026
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$96,548
−HK$2,558/mo
Today · 4.125%
HK$99,106
baseline
▲ 0.50% · 4.625%
HK$104,330
+HK$5,224/mo
Deposit HK$2.06M · loan HK$18.53M · min. income ≈ HK$198,212/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$809,196 · Scale 2, in force from 26 Feb 2026)