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$46,774
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$48,229
−HK$1,478/mo
Today · 4.125%
HK$49,707
baseline
▲ 0.50% · 4.625%
HK$52,732
+HK$3,025/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$99,414/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$801,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,035
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$53,431
−HK$1,416/mo
Today · 4.125%
HK$54,847
baseline
▲ 0.50% · 4.625%
HK$57,738
+HK$2,891/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$109,694/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$801,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,129
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$57,875
−HK$1,773/mo
Today · 4.125%
HK$59,648
baseline
▲ 0.50% · 4.625%
HK$63,278
+HK$3,630/mo
Deposit HK$8.21M · loan HK$12.31M · min. income ≈ HK$119,296/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$801,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,443
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$64,117
−HK$1,699/mo
Today · 4.125%
HK$65,816
baseline
▲ 0.50% · 4.625%
HK$69,285
+HK$3,469/mo
Deposit HK$8.21M · loan HK$12.31M · min. income ≈ HK$131,632/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$801,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,483
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$67,520
−HK$2,070/mo
Today · 4.125%
HK$69,590
baseline
▲ 0.50% · 4.625%
HK$73,824
+HK$4,234/mo
Deposit HK$6.15M · loan HK$14.36M · min. income ≈ HK$139,180/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$801,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,850
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$74,803
−HK$1,983/mo
Today · 4.125%
HK$76,786
baseline
▲ 0.50% · 4.625%
HK$80,833
+HK$4,047/mo
Deposit HK$6.15M · loan HK$14.36M · min. income ≈ HK$153,572/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$801,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,193
−HK$5,280/mo
▼ 0.25% · 3.875%
HK$86,812
−HK$2,661/mo
Today · 4.125%
HK$89,473
baseline
▲ 0.50% · 4.625%
HK$94,917
+HK$5,444/mo
Deposit HK$2.05M · loan HK$18.46M · min. income ≈ HK$178,946/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$801,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,664
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$96,176
−HK$2,548/mo
Today · 4.125%
HK$98,724
baseline
▲ 0.50% · 4.625%
HK$103,928
+HK$5,204/mo
Deposit HK$2.05M · loan HK$18.46M · min. income ≈ HK$197,448/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$801,257 · Scale 2, in force from 26 Feb 2026)