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$46,981
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$48,442
−HK$1,485/mo
Today · 4.125%
HK$49,927
baseline
▲ 0.50% · 4.625%
HK$52,965
+HK$3,038/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$99,854/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$810,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,266
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,667
−HK$1,422/mo
Today · 4.125%
HK$55,089
baseline
▲ 0.50% · 4.625%
HK$57,993
+HK$2,904/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$110,178/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$810,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,377
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$58,131
−HK$1,781/mo
Today · 4.125%
HK$59,912
baseline
▲ 0.50% · 4.625%
HK$63,558
+HK$3,646/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$119,824/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$810,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,719
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$64,401
−HK$1,706/mo
Today · 4.125%
HK$66,107
baseline
▲ 0.50% · 4.625%
HK$69,592
+HK$3,485/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$132,214/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$810,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,773
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$67,819
−HK$2,079/mo
Today · 4.125%
HK$69,898
baseline
▲ 0.50% · 4.625%
HK$74,151
+HK$4,253/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$139,796/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$810,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,172
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$75,134
−HK$1,991/mo
Today · 4.125%
HK$77,125
baseline
▲ 0.50% · 4.625%
HK$81,191
+HK$4,066/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$154,250/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$810,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,565
−HK$5,303/mo
▼ 0.25% · 3.875%
HK$87,196
−HK$2,672/mo
Today · 4.125%
HK$89,868
baseline
▲ 0.50% · 4.625%
HK$95,337
+HK$5,469/mo
Deposit HK$2.06M · loan HK$18.54M · min. income ≈ HK$179,736/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$810,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,078
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$96,601
−HK$2,560/mo
Today · 4.125%
HK$99,161
baseline
▲ 0.50% · 4.625%
HK$104,388
+HK$5,227/mo
Deposit HK$2.06M · loan HK$18.54M · min. income ≈ HK$198,322/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$810,331 · Scale 2, in force from 26 Feb 2026)