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$46,678
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,130
−HK$1,475/mo
Today · 4.125%
HK$49,605
baseline
▲ 0.50% · 4.625%
HK$52,623
+HK$3,018/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$99,210/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$797,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,928
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,321
−HK$1,413/mo
Today · 4.125%
HK$54,734
baseline
▲ 0.50% · 4.625%
HK$57,619
+HK$2,885/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$109,468/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$797,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,013
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$57,755
−HK$1,771/mo
Today · 4.125%
HK$59,526
baseline
▲ 0.50% · 4.625%
HK$63,148
+HK$3,622/mo
Deposit HK$8.19M · loan HK$12.28M · min. income ≈ HK$119,052/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$797,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,314
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$63,985
−HK$1,696/mo
Today · 4.125%
HK$65,681
baseline
▲ 0.50% · 4.625%
HK$69,143
+HK$3,462/mo
Deposit HK$8.19M · loan HK$12.28M · min. income ≈ HK$131,362/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$797,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,349
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$67,381
−HK$2,066/mo
Today · 4.125%
HK$69,447
baseline
▲ 0.50% · 4.625%
HK$73,672
+HK$4,225/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$138,894/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$797,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,700
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$74,649
−HK$1,978/mo
Today · 4.125%
HK$76,627
baseline
▲ 0.50% · 4.625%
HK$80,667
+HK$4,040/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$153,254/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$797,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,020
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$86,633
−HK$2,655/mo
Today · 4.125%
HK$89,288
baseline
▲ 0.50% · 4.625%
HK$94,721
+HK$5,433/mo
Deposit HK$2.05M · loan HK$18.42M · min. income ≈ HK$178,576/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$797,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,471
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$95,978
−HK$2,543/mo
Today · 4.125%
HK$98,521
baseline
▲ 0.50% · 4.625%
HK$103,714
+HK$5,193/mo
Deposit HK$2.05M · loan HK$18.42M · min. income ≈ HK$197,042/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$797,033 · Scale 2, in force from 26 Feb 2026)