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$46,992
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$48,454
−HK$1,485/mo
Today · 4.125%
HK$49,939
baseline
▲ 0.50% · 4.625%
HK$52,978
+HK$3,039/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$99,878/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$810,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,278
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,680
−HK$1,423/mo
Today · 4.125%
HK$55,103
baseline
▲ 0.50% · 4.625%
HK$58,007
+HK$2,904/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$110,206/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$810,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,390
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,145
−HK$1,782/mo
Today · 4.125%
HK$59,927
baseline
▲ 0.50% · 4.625%
HK$63,573
+HK$3,646/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$119,854/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$810,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,734
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,416
−HK$1,707/mo
Today · 4.125%
HK$66,123
baseline
▲ 0.50% · 4.625%
HK$69,609
+HK$3,486/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$132,246/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$810,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,789
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$67,835
−HK$2,079/mo
Today · 4.125%
HK$69,914
baseline
▲ 0.50% · 4.625%
HK$74,169
+HK$4,255/mo
Deposit HK$6.18M · loan HK$14.43M · min. income ≈ HK$139,828/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$810,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,190
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$75,152
−HK$1,992/mo
Today · 4.125%
HK$77,144
baseline
▲ 0.50% · 4.625%
HK$81,210
+HK$4,066/mo
Deposit HK$6.18M · loan HK$14.43M · min. income ≈ HK$154,288/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$810,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,586
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$87,217
−HK$2,673/mo
Today · 4.125%
HK$89,890
baseline
▲ 0.50% · 4.625%
HK$95,360
+HK$5,470/mo
Deposit HK$2.06M · loan HK$18.55M · min. income ≈ HK$179,780/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$810,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,101
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$96,625
−HK$2,560/mo
Today · 4.125%
HK$99,185
baseline
▲ 0.50% · 4.625%
HK$104,413
+HK$5,228/mo
Deposit HK$2.06M · loan HK$18.55M · min. income ≈ HK$198,370/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$810,825 · Scale 2, in force from 26 Feb 2026)