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$46,660
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,112
−HK$1,475/mo
Today · 4.125%
HK$49,587
baseline
▲ 0.50% · 4.625%
HK$52,604
+HK$3,017/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$99,174/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$796,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,909
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$53,302
−HK$1,412/mo
Today · 4.125%
HK$54,714
baseline
▲ 0.50% · 4.625%
HK$57,598
+HK$2,884/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$109,428/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$796,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,993
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,734
−HK$1,770/mo
Today · 4.125%
HK$59,504
baseline
▲ 0.50% · 4.625%
HK$63,124
+HK$3,620/mo
Deposit HK$8.19M · loan HK$12.28M · min. income ≈ HK$119,008/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$796,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,291
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,962
−HK$1,695/mo
Today · 4.125%
HK$65,657
baseline
▲ 0.50% · 4.625%
HK$69,117
+HK$3,460/mo
Deposit HK$8.19M · loan HK$12.28M · min. income ≈ HK$131,314/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$796,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,325
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$67,357
−HK$2,064/mo
Today · 4.125%
HK$69,421
baseline
▲ 0.50% · 4.625%
HK$73,645
+HK$4,224/mo
Deposit HK$6.14M · loan HK$14.32M · min. income ≈ HK$138,842/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$796,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,673
−HK$3,926/mo
▼ 0.25% · 3.875%
HK$74,622
−HK$1,977/mo
Today · 4.125%
HK$76,599
baseline
▲ 0.50% · 4.625%
HK$80,637
+HK$4,038/mo
Deposit HK$6.14M · loan HK$14.32M · min. income ≈ HK$153,198/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$796,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,989
−HK$5,267/mo
▼ 0.25% · 3.875%
HK$86,601
−HK$2,655/mo
Today · 4.125%
HK$89,256
baseline
▲ 0.50% · 4.625%
HK$94,687
+HK$5,431/mo
Deposit HK$2.05M · loan HK$18.42M · min. income ≈ HK$178,512/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$796,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,437
−HK$5,048/mo
▼ 0.25% · 3.875%
HK$95,943
−HK$2,542/mo
Today · 4.125%
HK$98,485
baseline
▲ 0.50% · 4.625%
HK$103,676
+HK$5,191/mo
Deposit HK$2.05M · loan HK$18.42M · min. income ≈ HK$196,970/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$796,283 · Scale 2, in force from 26 Feb 2026)