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$46,883
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$48,341
−HK$1,482/mo
Today · 4.125%
HK$49,823
baseline
▲ 0.50% · 4.625%
HK$52,855
+HK$3,032/mo
Deposit HK$10.28M · loan HK$10.28M · min. income ≈ HK$99,646/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$806,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,157
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$53,556
−HK$1,419/mo
Today · 4.125%
HK$54,975
baseline
▲ 0.50% · 4.625%
HK$57,872
+HK$2,897/mo
Deposit HK$10.28M · loan HK$10.28M · min. income ≈ HK$109,950/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$806,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,260
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$58,010
−HK$1,778/mo
Today · 4.125%
HK$59,788
baseline
▲ 0.50% · 4.625%
HK$63,425
+HK$3,637/mo
Deposit HK$8.22M · loan HK$12.34M · min. income ≈ HK$119,576/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$806,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,588
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$64,267
−HK$1,703/mo
Today · 4.125%
HK$65,970
baseline
▲ 0.50% · 4.625%
HK$69,447
+HK$3,477/mo
Deposit HK$8.22M · loan HK$12.34M · min. income ≈ HK$131,940/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$806,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,636
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$67,678
−HK$2,074/mo
Today · 4.125%
HK$69,752
baseline
▲ 0.50% · 4.625%
HK$73,996
+HK$4,244/mo
Deposit HK$6.17M · loan HK$14.39M · min. income ≈ HK$139,504/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$806,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,020
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$74,978
−HK$1,987/mo
Today · 4.125%
HK$76,965
baseline
▲ 0.50% · 4.625%
HK$81,021
+HK$4,056/mo
Deposit HK$6.17M · loan HK$14.39M · min. income ≈ HK$153,930/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$806,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,389
−HK$5,292/mo
▼ 0.25% · 3.875%
HK$87,014
−HK$2,667/mo
Today · 4.125%
HK$89,681
baseline
▲ 0.50% · 4.625%
HK$95,138
+HK$5,457/mo
Deposit HK$2.06M · loan HK$18.50M · min. income ≈ HK$179,362/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$806,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,882
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$96,400
−HK$2,554/mo
Today · 4.125%
HK$98,954
baseline
▲ 0.50% · 4.625%
HK$104,170
+HK$5,216/mo
Deposit HK$2.06M · loan HK$18.50M · min. income ≈ HK$197,908/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$806,040 · Scale 2, in force from 26 Feb 2026)