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$46,994
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$48,456
−HK$1,485/mo
Today · 4.125%
HK$49,941
baseline
▲ 0.50% · 4.625%
HK$52,980
+HK$3,039/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$99,882/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$810,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,280
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,682
−HK$1,423/mo
Today · 4.125%
HK$55,105
baseline
▲ 0.50% · 4.625%
HK$58,010
+HK$2,905/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$110,210/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$810,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,393
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,147
−HK$1,782/mo
Today · 4.125%
HK$59,929
baseline
▲ 0.50% · 4.625%
HK$63,576
+HK$3,647/mo
Deposit HK$8.24M · loan HK$12.37M · min. income ≈ HK$119,858/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$810,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,736
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$64,419
−HK$1,707/mo
Today · 4.125%
HK$66,126
baseline
▲ 0.50% · 4.625%
HK$69,611
+HK$3,485/mo
Deposit HK$8.24M · loan HK$12.37M · min. income ≈ HK$132,252/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$810,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,792
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$67,838
−HK$2,079/mo
Today · 4.125%
HK$69,917
baseline
▲ 0.50% · 4.625%
HK$74,172
+HK$4,255/mo
Deposit HK$6.18M · loan HK$14.43M · min. income ≈ HK$139,834/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$810,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,192
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$75,155
−HK$1,992/mo
Today · 4.125%
HK$77,147
baseline
▲ 0.50% · 4.625%
HK$81,213
+HK$4,066/mo
Deposit HK$6.18M · loan HK$14.43M · min. income ≈ HK$154,294/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$810,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,589
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$87,220
−HK$2,674/mo
Today · 4.125%
HK$89,894
baseline
▲ 0.50% · 4.625%
HK$95,363
+HK$5,469/mo
Deposit HK$2.06M · loan HK$18.55M · min. income ≈ HK$179,788/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$810,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,105
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$96,628
−HK$2,561/mo
Today · 4.125%
HK$99,189
baseline
▲ 0.50% · 4.625%
HK$104,417
+HK$5,228/mo
Deposit HK$2.06M · loan HK$18.55M · min. income ≈ HK$198,378/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$810,908 · Scale 2, in force from 26 Feb 2026)