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$46,914
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,374
−HK$1,482/mo
Today · 4.125%
HK$49,856
baseline
▲ 0.50% · 4.625%
HK$52,890
+HK$3,034/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$99,712/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$807,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,192
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$53,591
−HK$1,420/mo
Today · 4.125%
HK$55,011
baseline
▲ 0.50% · 4.625%
HK$57,911
+HK$2,900/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$110,022/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$807,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,297
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$58,048
−HK$1,779/mo
Today · 4.125%
HK$59,827
baseline
▲ 0.50% · 4.625%
HK$63,468
+HK$3,641/mo
Deposit HK$8.23M · loan HK$12.34M · min. income ≈ HK$119,654/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$807,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,630
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,310
−HK$1,704/mo
Today · 4.125%
HK$66,014
baseline
▲ 0.50% · 4.625%
HK$69,493
+HK$3,479/mo
Deposit HK$8.23M · loan HK$12.34M · min. income ≈ HK$132,028/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$807,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,680
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$67,723
−HK$2,076/mo
Today · 4.125%
HK$69,799
baseline
▲ 0.50% · 4.625%
HK$74,046
+HK$4,247/mo
Deposit HK$6.17M · loan HK$14.40M · min. income ≈ HK$139,598/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$807,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,068
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$75,028
−HK$1,988/mo
Today · 4.125%
HK$77,016
baseline
▲ 0.50% · 4.625%
HK$81,076
+HK$4,060/mo
Deposit HK$6.17M · loan HK$14.40M · min. income ≈ HK$154,032/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$807,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,446
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$87,072
−HK$2,669/mo
Today · 4.125%
HK$89,741
baseline
▲ 0.50% · 4.625%
HK$95,202
+HK$5,461/mo
Deposit HK$2.06M · loan HK$18.52M · min. income ≈ HK$179,482/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$807,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,945
−HK$5,075/mo
▼ 0.25% · 3.875%
HK$96,464
−HK$2,556/mo
Today · 4.125%
HK$99,020
baseline
▲ 0.50% · 4.625%
HK$104,240
+HK$5,220/mo
Deposit HK$2.06M · loan HK$18.52M · min. income ≈ HK$198,040/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$807,411 · Scale 2, in force from 26 Feb 2026)