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$46,934
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,394
−HK$1,484/mo
Today · 4.125%
HK$49,878
baseline
▲ 0.50% · 4.625%
HK$52,913
+HK$3,035/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$99,756/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$808,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,214
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,614
−HK$1,421/mo
Today · 4.125%
HK$55,035
baseline
▲ 0.50% · 4.625%
HK$57,936
+HK$2,901/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$110,070/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$808,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,321
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$58,073
−HK$1,780/mo
Today · 4.125%
HK$59,853
baseline
▲ 0.50% · 4.625%
HK$63,495
+HK$3,642/mo
Deposit HK$8.23M · loan HK$12.35M · min. income ≈ HK$119,706/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$808,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,657
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$64,337
−HK$1,705/mo
Today · 4.125%
HK$66,042
baseline
▲ 0.50% · 4.625%
HK$69,523
+HK$3,481/mo
Deposit HK$8.23M · loan HK$12.35M · min. income ≈ HK$132,084/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$808,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,708
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$67,752
−HK$2,077/mo
Today · 4.125%
HK$69,829
baseline
▲ 0.50% · 4.625%
HK$74,078
+HK$4,249/mo
Deposit HK$6.17M · loan HK$14.41M · min. income ≈ HK$139,658/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$808,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,100
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$75,060
−HK$1,989/mo
Today · 4.125%
HK$77,049
baseline
▲ 0.50% · 4.625%
HK$81,110
+HK$4,061/mo
Deposit HK$6.17M · loan HK$14.41M · min. income ≈ HK$154,098/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$808,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,482
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$87,110
−HK$2,670/mo
Today · 4.125%
HK$89,780
baseline
▲ 0.50% · 4.625%
HK$95,243
+HK$5,463/mo
Deposit HK$2.06M · loan HK$18.52M · min. income ≈ HK$179,560/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$808,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,985
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$96,506
−HK$2,557/mo
Today · 4.125%
HK$99,063
baseline
▲ 0.50% · 4.625%
HK$104,285
+HK$5,222/mo
Deposit HK$2.06M · loan HK$18.52M · min. income ≈ HK$198,126/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$808,297 · Scale 2, in force from 26 Feb 2026)