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$46,791
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$48,247
−HK$1,479/mo
Today · 4.125%
HK$49,726
baseline
▲ 0.50% · 4.625%
HK$52,751
+HK$3,025/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$99,452/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$802,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,055
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$53,451
−HK$1,416/mo
Today · 4.125%
HK$54,867
baseline
▲ 0.50% · 4.625%
HK$57,760
+HK$2,893/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$109,734/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$802,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,150
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$57,896
−HK$1,775/mo
Today · 4.125%
HK$59,671
baseline
▲ 0.50% · 4.625%
HK$63,302
+HK$3,631/mo
Deposit HK$8.21M · loan HK$12.31M · min. income ≈ HK$119,342/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$802,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,466
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$64,141
−HK$1,700/mo
Today · 4.125%
HK$65,841
baseline
▲ 0.50% · 4.625%
HK$69,311
+HK$3,470/mo
Deposit HK$8.21M · loan HK$12.31M · min. income ≈ HK$131,682/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$802,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,508
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$67,546
−HK$2,070/mo
Today · 4.125%
HK$69,616
baseline
▲ 0.50% · 4.625%
HK$73,852
+HK$4,236/mo
Deposit HK$6.16M · loan HK$14.36M · min. income ≈ HK$139,232/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$802,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,877
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$74,832
−HK$1,982/mo
Today · 4.125%
HK$76,814
baseline
▲ 0.50% · 4.625%
HK$80,863
+HK$4,049/mo
Deposit HK$6.16M · loan HK$14.36M · min. income ≈ HK$153,628/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$802,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,225
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$86,845
−HK$2,661/mo
Today · 4.125%
HK$89,506
baseline
▲ 0.50% · 4.625%
HK$94,953
+HK$5,447/mo
Deposit HK$2.05M · loan HK$18.47M · min. income ≈ HK$179,012/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$802,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,699
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$96,212
−HK$2,549/mo
Today · 4.125%
HK$98,761
baseline
▲ 0.50% · 4.625%
HK$103,967
+HK$5,206/mo
Deposit HK$2.05M · loan HK$18.47M · min. income ≈ HK$197,522/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$802,028 · Scale 2, in force from 26 Feb 2026)