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$47,006
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,468
−HK$1,486/mo
Today · 4.125%
HK$49,954
baseline
▲ 0.50% · 4.625%
HK$52,993
+HK$3,039/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$99,908/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$811,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,294
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,696
−HK$1,423/mo
Today · 4.125%
HK$55,119
baseline
▲ 0.50% · 4.625%
HK$58,024
+HK$2,905/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$110,238/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$811,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,407
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,162
−HK$1,782/mo
Today · 4.125%
HK$59,944
baseline
▲ 0.50% · 4.625%
HK$63,592
+HK$3,648/mo
Deposit HK$8.25M · loan HK$12.37M · min. income ≈ HK$119,888/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$811,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,752
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$64,435
−HK$1,708/mo
Today · 4.125%
HK$66,143
baseline
▲ 0.50% · 4.625%
HK$69,629
+HK$3,486/mo
Deposit HK$8.25M · loan HK$12.37M · min. income ≈ HK$132,286/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$811,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,808
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$67,855
−HK$2,080/mo
Today · 4.125%
HK$69,935
baseline
▲ 0.50% · 4.625%
HK$74,190
+HK$4,255/mo
Deposit HK$6.18M · loan HK$14.43M · min. income ≈ HK$139,870/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$811,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,211
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$75,175
−HK$1,991/mo
Today · 4.125%
HK$77,166
baseline
▲ 0.50% · 4.625%
HK$81,234
+HK$4,068/mo
Deposit HK$6.18M · loan HK$14.43M · min. income ≈ HK$154,332/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$811,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,611
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$87,243
−HK$2,674/mo
Today · 4.125%
HK$89,917
baseline
▲ 0.50% · 4.625%
HK$95,388
+HK$5,471/mo
Deposit HK$2.06M · loan HK$18.55M · min. income ≈ HK$179,834/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$811,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,129
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$96,653
−HK$2,561/mo
Today · 4.125%
HK$99,214
baseline
▲ 0.50% · 4.625%
HK$104,444
+HK$5,230/mo
Deposit HK$2.06M · loan HK$18.55M · min. income ≈ HK$198,428/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$811,432 · Scale 2, in force from 26 Feb 2026)