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$46,878
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$48,336
−HK$1,482/mo
Today · 4.125%
HK$49,818
baseline
▲ 0.50% · 4.625%
HK$52,849
+HK$3,031/mo
Deposit HK$10.28M · loan HK$10.28M · min. income ≈ HK$99,636/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$805,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,151
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$53,550
−HK$1,419/mo
Today · 4.125%
HK$54,969
baseline
▲ 0.50% · 4.625%
HK$57,867
+HK$2,898/mo
Deposit HK$10.28M · loan HK$10.28M · min. income ≈ HK$109,938/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$805,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,254
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$58,004
−HK$1,777/mo
Today · 4.125%
HK$59,781
baseline
▲ 0.50% · 4.625%
HK$63,419
+HK$3,638/mo
Deposit HK$8.22M · loan HK$12.33M · min. income ≈ HK$119,562/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$805,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,582
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$64,260
−HK$1,703/mo
Today · 4.125%
HK$65,963
baseline
▲ 0.50% · 4.625%
HK$69,440
+HK$3,477/mo
Deposit HK$8.22M · loan HK$12.33M · min. income ≈ HK$131,926/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$805,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,629
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$67,671
−HK$2,074/mo
Today · 4.125%
HK$69,745
baseline
▲ 0.50% · 4.625%
HK$73,989
+HK$4,244/mo
Deposit HK$6.17M · loan HK$14.39M · min. income ≈ HK$139,490/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$805,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,012
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$74,970
−HK$1,987/mo
Today · 4.125%
HK$76,957
baseline
▲ 0.50% · 4.625%
HK$81,013
+HK$4,056/mo
Deposit HK$6.17M · loan HK$14.39M · min. income ≈ HK$153,914/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$805,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,381
−HK$5,291/mo
▼ 0.25% · 3.875%
HK$87,005
−HK$2,667/mo
Today · 4.125%
HK$89,672
baseline
▲ 0.50% · 4.625%
HK$95,128
+HK$5,456/mo
Deposit HK$2.06M · loan HK$18.50M · min. income ≈ HK$179,344/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$805,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,873
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$96,390
−HK$2,554/mo
Today · 4.125%
HK$98,944
baseline
▲ 0.50% · 4.625%
HK$104,160
+HK$5,216/mo
Deposit HK$2.06M · loan HK$18.50M · min. income ≈ HK$197,888/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$805,828 · Scale 2, in force from 26 Feb 2026)