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$46,802
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$48,258
−HK$1,479/mo
Today · 4.125%
HK$49,737
baseline
▲ 0.50% · 4.625%
HK$52,763
+HK$3,026/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$99,474/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$802,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,066
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$53,463
−HK$1,416/mo
Today · 4.125%
HK$54,879
baseline
▲ 0.50% · 4.625%
HK$57,772
+HK$2,893/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$109,758/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$802,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,162
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,909
−HK$1,775/mo
Today · 4.125%
HK$59,684
baseline
▲ 0.50% · 4.625%
HK$63,316
+HK$3,632/mo
Deposit HK$8.21M · loan HK$12.31M · min. income ≈ HK$119,368/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$802,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,480
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$64,155
−HK$1,700/mo
Today · 4.125%
HK$65,855
baseline
▲ 0.50% · 4.625%
HK$69,327
+HK$3,472/mo
Deposit HK$8.21M · loan HK$12.31M · min. income ≈ HK$131,710/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$802,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,522
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$67,561
−HK$2,070/mo
Today · 4.125%
HK$69,631
baseline
▲ 0.50% · 4.625%
HK$73,868
+HK$4,237/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$139,262/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$802,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,893
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$74,848
−HK$1,983/mo
Today · 4.125%
HK$76,831
baseline
▲ 0.50% · 4.625%
HK$80,881
+HK$4,050/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$153,662/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$802,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,243
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$86,864
−HK$2,662/mo
Today · 4.125%
HK$89,526
baseline
▲ 0.50% · 4.625%
HK$94,973
+HK$5,447/mo
Deposit HK$2.05M · loan HK$18.47M · min. income ≈ HK$179,052/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$802,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,720
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$96,233
−HK$2,550/mo
Today · 4.125%
HK$98,783
baseline
▲ 0.50% · 4.625%
HK$103,990
+HK$5,207/mo
Deposit HK$2.05M · loan HK$18.47M · min. income ≈ HK$197,566/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$802,478 · Scale 2, in force from 26 Feb 2026)