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$46,881
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$48,339
−HK$1,482/mo
Today · 4.125%
HK$49,821
baseline
▲ 0.50% · 4.625%
HK$52,853
+HK$3,032/mo
Deposit HK$10.28M · loan HK$10.28M · min. income ≈ HK$99,642/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$805,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,155
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$53,554
−HK$1,419/mo
Today · 4.125%
HK$54,973
baseline
▲ 0.50% · 4.625%
HK$57,870
+HK$2,897/mo
Deposit HK$10.28M · loan HK$10.28M · min. income ≈ HK$109,946/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$805,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,257
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$58,007
−HK$1,778/mo
Today · 4.125%
HK$59,785
baseline
▲ 0.50% · 4.625%
HK$63,423
+HK$3,638/mo
Deposit HK$8.22M · loan HK$12.34M · min. income ≈ HK$119,570/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$805,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,586
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$64,264
−HK$1,703/mo
Today · 4.125%
HK$65,967
baseline
▲ 0.50% · 4.625%
HK$69,444
+HK$3,477/mo
Deposit HK$8.22M · loan HK$12.34M · min. income ≈ HK$131,934/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$805,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,634
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$67,675
−HK$2,075/mo
Today · 4.125%
HK$69,750
baseline
▲ 0.50% · 4.625%
HK$73,994
+HK$4,244/mo
Deposit HK$6.17M · loan HK$14.39M · min. income ≈ HK$139,500/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$805,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,017
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$74,975
−HK$1,987/mo
Today · 4.125%
HK$76,962
baseline
▲ 0.50% · 4.625%
HK$81,018
+HK$4,056/mo
Deposit HK$6.17M · loan HK$14.39M · min. income ≈ HK$153,924/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$805,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,386
−HK$5,292/mo
▼ 0.25% · 3.875%
HK$87,011
−HK$2,667/mo
Today · 4.125%
HK$89,678
baseline
▲ 0.50% · 4.625%
HK$95,135
+HK$5,457/mo
Deposit HK$2.06M · loan HK$18.50M · min. income ≈ HK$179,356/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$805,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,879
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$96,397
−HK$2,554/mo
Today · 4.125%
HK$98,951
baseline
▲ 0.50% · 4.625%
HK$104,167
+HK$5,216/mo
Deposit HK$2.06M · loan HK$18.50M · min. income ≈ HK$197,902/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$805,963 · Scale 2, in force from 26 Feb 2026)