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$46,969
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,430
−HK$1,484/mo
Today · 4.125%
HK$49,914
baseline
▲ 0.50% · 4.625%
HK$52,951
+HK$3,037/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$99,828/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$809,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,252
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,654
−HK$1,421/mo
Today · 4.125%
HK$55,075
baseline
▲ 0.50% · 4.625%
HK$57,978
+HK$2,903/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$110,150/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$809,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,362
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$58,116
−HK$1,781/mo
Today · 4.125%
HK$59,897
baseline
▲ 0.50% · 4.625%
HK$63,541
+HK$3,644/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$119,794/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$809,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,703
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,384
−HK$1,706/mo
Today · 4.125%
HK$66,090
baseline
▲ 0.50% · 4.625%
HK$69,574
+HK$3,484/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$132,180/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$809,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,756
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$67,801
−HK$2,079/mo
Today · 4.125%
HK$69,880
baseline
▲ 0.50% · 4.625%
HK$74,132
+HK$4,252/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$139,760/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$809,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,153
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$75,115
−HK$1,990/mo
Today · 4.125%
HK$77,105
baseline
▲ 0.50% · 4.625%
HK$81,170
+HK$4,065/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$154,210/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$809,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,544
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$87,173
−HK$2,672/mo
Today · 4.125%
HK$89,845
baseline
▲ 0.50% · 4.625%
HK$95,312
+HK$5,467/mo
Deposit HK$2.06M · loan HK$18.54M · min. income ≈ HK$179,690/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$809,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,054
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$96,576
−HK$2,559/mo
Today · 4.125%
HK$99,135
baseline
▲ 0.50% · 4.625%
HK$104,361
+HK$5,226/mo
Deposit HK$2.06M · loan HK$18.54M · min. income ≈ HK$198,270/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$809,797 · Scale 2, in force from 26 Feb 2026)