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$46,898
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$48,356
−HK$1,483/mo
Today · 4.125%
HK$49,839
baseline
▲ 0.50% · 4.625%
HK$52,871
+HK$3,032/mo
Deposit HK$10.28M · loan HK$10.28M · min. income ≈ HK$99,678/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$806,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,173
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$53,572
−HK$1,420/mo
Today · 4.125%
HK$54,992
baseline
▲ 0.50% · 4.625%
HK$57,891
+HK$2,899/mo
Deposit HK$10.28M · loan HK$10.28M · min. income ≈ HK$109,984/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$806,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,277
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$58,028
−HK$1,778/mo
Today · 4.125%
HK$59,806
baseline
▲ 0.50% · 4.625%
HK$63,445
+HK$3,639/mo
Deposit HK$8.23M · loan HK$12.34M · min. income ≈ HK$119,612/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$806,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,608
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$64,287
−HK$1,703/mo
Today · 4.125%
HK$65,990
baseline
▲ 0.50% · 4.625%
HK$69,469
+HK$3,479/mo
Deposit HK$8.23M · loan HK$12.34M · min. income ≈ HK$131,980/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$806,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,657
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$67,699
−HK$2,075/mo
Today · 4.125%
HK$69,774
baseline
▲ 0.50% · 4.625%
HK$74,020
+HK$4,246/mo
Deposit HK$6.17M · loan HK$14.40M · min. income ≈ HK$139,548/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$806,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,042
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$75,001
−HK$1,988/mo
Today · 4.125%
HK$76,989
baseline
▲ 0.50% · 4.625%
HK$81,047
+HK$4,058/mo
Deposit HK$6.17M · loan HK$14.40M · min. income ≈ HK$153,978/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$806,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,416
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$87,042
−HK$2,667/mo
Today · 4.125%
HK$89,709
baseline
▲ 0.50% · 4.625%
HK$95,168
+HK$5,459/mo
Deposit HK$2.06M · loan HK$18.51M · min. income ≈ HK$179,418/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$806,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,912
−HK$5,073/mo
▼ 0.25% · 3.875%
HK$96,430
−HK$2,555/mo
Today · 4.125%
HK$98,985
baseline
▲ 0.50% · 4.625%
HK$104,203
+HK$5,218/mo
Deposit HK$2.06M · loan HK$18.51M · min. income ≈ HK$197,970/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$806,683 · Scale 2, in force from 26 Feb 2026)