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$46,823
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,279
−HK$1,480/mo
Today · 4.125%
HK$49,759
baseline
▲ 0.50% · 4.625%
HK$52,787
+HK$3,028/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$99,518/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$803,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,090
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,487
−HK$1,417/mo
Today · 4.125%
HK$54,904
baseline
▲ 0.50% · 4.625%
HK$57,799
+HK$2,895/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$109,808/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$803,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,188
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$57,935
−HK$1,776/mo
Today · 4.125%
HK$59,711
baseline
▲ 0.50% · 4.625%
HK$63,344
+HK$3,633/mo
Deposit HK$8.21M · loan HK$12.32M · min. income ≈ HK$119,422/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$803,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,508
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$64,185
−HK$1,700/mo
Today · 4.125%
HK$65,885
baseline
▲ 0.50% · 4.625%
HK$69,358
+HK$3,473/mo
Deposit HK$8.21M · loan HK$12.32M · min. income ≈ HK$131,770/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$803,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,552
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$67,591
−HK$2,072/mo
Today · 4.125%
HK$69,663
baseline
▲ 0.50% · 4.625%
HK$73,902
+HK$4,239/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$139,326/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$803,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,926
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$74,882
−HK$1,984/mo
Today · 4.125%
HK$76,866
baseline
▲ 0.50% · 4.625%
HK$80,918
+HK$4,052/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$153,732/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$803,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,281
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$86,903
−HK$2,664/mo
Today · 4.125%
HK$89,567
baseline
▲ 0.50% · 4.625%
HK$95,017
+HK$5,450/mo
Deposit HK$2.05M · loan HK$18.48M · min. income ≈ HK$179,134/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$803,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,762
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$96,277
−HK$2,551/mo
Today · 4.125%
HK$98,828
baseline
▲ 0.50% · 4.625%
HK$104,037
+HK$5,209/mo
Deposit HK$2.05M · loan HK$18.48M · min. income ≈ HK$197,656/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$803,411 · Scale 2, in force from 26 Feb 2026)