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$47,002
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,464
−HK$1,486/mo
Today · 4.125%
HK$49,950
baseline
▲ 0.50% · 4.625%
HK$52,989
+HK$3,039/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$99,900/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$811,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,290
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,692
−HK$1,423/mo
Today · 4.125%
HK$55,115
baseline
▲ 0.50% · 4.625%
HK$58,020
+HK$2,905/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$110,230/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$811,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,403
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,157
−HK$1,783/mo
Today · 4.125%
HK$59,940
baseline
▲ 0.50% · 4.625%
HK$63,587
+HK$3,647/mo
Deposit HK$8.25M · loan HK$12.37M · min. income ≈ HK$119,880/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$811,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,748
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$64,430
−HK$1,708/mo
Today · 4.125%
HK$66,138
baseline
▲ 0.50% · 4.625%
HK$69,624
+HK$3,486/mo
Deposit HK$8.25M · loan HK$12.37M · min. income ≈ HK$132,276/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$811,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,803
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$67,850
−HK$2,080/mo
Today · 4.125%
HK$69,930
baseline
▲ 0.50% · 4.625%
HK$74,185
+HK$4,255/mo
Deposit HK$6.18M · loan HK$14.43M · min. income ≈ HK$139,860/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$811,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,206
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$75,169
−HK$1,992/mo
Today · 4.125%
HK$77,161
baseline
▲ 0.50% · 4.625%
HK$81,228
+HK$4,067/mo
Deposit HK$6.18M · loan HK$14.43M · min. income ≈ HK$154,322/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$811,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,604
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$87,236
−HK$2,674/mo
Today · 4.125%
HK$89,910
baseline
▲ 0.50% · 4.625%
HK$95,381
+HK$5,471/mo
Deposit HK$2.06M · loan HK$18.55M · min. income ≈ HK$179,820/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$811,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,121
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$96,646
−HK$2,561/mo
Today · 4.125%
HK$99,207
baseline
▲ 0.50% · 4.625%
HK$104,436
+HK$5,229/mo
Deposit HK$2.06M · loan HK$18.55M · min. income ≈ HK$198,414/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$811,277 · Scale 2, in force from 26 Feb 2026)