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$47,003
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$48,465
−HK$1,485/mo
Today · 4.125%
HK$49,950
baseline
▲ 0.50% · 4.625%
HK$52,990
+HK$3,040/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$99,900/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$811,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,290
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,693
−HK$1,422/mo
Today · 4.125%
HK$55,115
baseline
▲ 0.50% · 4.625%
HK$58,021
+HK$2,906/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$110,230/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$811,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,404
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,158
−HK$1,783/mo
Today · 4.125%
HK$59,941
baseline
▲ 0.50% · 4.625%
HK$63,588
+HK$3,647/mo
Deposit HK$8.25M · loan HK$12.37M · min. income ≈ HK$119,882/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$811,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,748
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$64,431
−HK$1,708/mo
Today · 4.125%
HK$66,139
baseline
▲ 0.50% · 4.625%
HK$69,625
+HK$3,486/mo
Deposit HK$8.25M · loan HK$12.37M · min. income ≈ HK$132,278/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$811,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,804
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$67,851
−HK$2,080/mo
Today · 4.125%
HK$69,931
baseline
▲ 0.50% · 4.625%
HK$74,186
+HK$4,255/mo
Deposit HK$6.18M · loan HK$14.43M · min. income ≈ HK$139,862/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$811,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,206
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$75,170
−HK$1,992/mo
Today · 4.125%
HK$77,162
baseline
▲ 0.50% · 4.625%
HK$81,229
+HK$4,067/mo
Deposit HK$6.18M · loan HK$14.43M · min. income ≈ HK$154,324/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$811,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,605
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$87,237
−HK$2,674/mo
Today · 4.125%
HK$89,911
baseline
▲ 0.50% · 4.625%
HK$95,382
+HK$5,471/mo
Deposit HK$2.06M · loan HK$18.55M · min. income ≈ HK$179,822/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$811,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,123
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$96,647
−HK$2,561/mo
Today · 4.125%
HK$99,208
baseline
▲ 0.50% · 4.625%
HK$104,437
+HK$5,229/mo
Deposit HK$2.06M · loan HK$18.55M · min. income ≈ HK$198,416/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$811,303 · Scale 2, in force from 26 Feb 2026)