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$46,998
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$48,460
−HK$1,485/mo
Today · 4.125%
HK$49,945
baseline
▲ 0.50% · 4.625%
HK$52,984
+HK$3,039/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$99,890/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$811,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,285
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,687
−HK$1,423/mo
Today · 4.125%
HK$55,110
baseline
▲ 0.50% · 4.625%
HK$58,014
+HK$2,904/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$110,220/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$811,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,398
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,152
−HK$1,782/mo
Today · 4.125%
HK$59,934
baseline
▲ 0.50% · 4.625%
HK$63,581
+HK$3,647/mo
Deposit HK$8.24M · loan HK$12.37M · min. income ≈ HK$119,868/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$811,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,742
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,424
−HK$1,707/mo
Today · 4.125%
HK$66,131
baseline
▲ 0.50% · 4.625%
HK$69,617
+HK$3,486/mo
Deposit HK$8.24M · loan HK$12.37M · min. income ≈ HK$132,262/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$811,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,797
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$67,844
−HK$2,079/mo
Today · 4.125%
HK$69,923
baseline
▲ 0.50% · 4.625%
HK$74,178
+HK$4,255/mo
Deposit HK$6.18M · loan HK$14.43M · min. income ≈ HK$139,846/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$811,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,199
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$75,162
−HK$1,991/mo
Today · 4.125%
HK$77,153
baseline
▲ 0.50% · 4.625%
HK$81,220
+HK$4,067/mo
Deposit HK$6.18M · loan HK$14.43M · min. income ≈ HK$154,306/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$811,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,596
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$87,228
−HK$2,673/mo
Today · 4.125%
HK$89,901
baseline
▲ 0.50% · 4.625%
HK$95,372
+HK$5,471/mo
Deposit HK$2.06M · loan HK$18.55M · min. income ≈ HK$179,802/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$811,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,113
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$96,637
−HK$2,560/mo
Today · 4.125%
HK$99,197
baseline
▲ 0.50% · 4.625%
HK$104,426
+HK$5,229/mo
Deposit HK$2.06M · loan HK$18.55M · min. income ≈ HK$198,394/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$811,084 · Scale 2, in force from 26 Feb 2026)