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$46,847
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$48,304
−HK$1,481/mo
Today · 4.125%
HK$49,785
baseline
▲ 0.50% · 4.625%
HK$52,814
+HK$3,029/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$99,570/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$804,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,117
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$53,515
−HK$1,418/mo
Today · 4.125%
HK$54,933
baseline
▲ 0.50% · 4.625%
HK$57,828
+HK$2,895/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$109,866/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$804,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,217
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$57,965
−HK$1,777/mo
Today · 4.125%
HK$59,742
baseline
▲ 0.50% · 4.625%
HK$63,377
+HK$3,635/mo
Deposit HK$8.22M · loan HK$12.33M · min. income ≈ HK$119,484/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$804,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,540
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$64,218
−HK$1,701/mo
Today · 4.125%
HK$65,919
baseline
▲ 0.50% · 4.625%
HK$69,394
+HK$3,475/mo
Deposit HK$8.22M · loan HK$12.33M · min. income ≈ HK$131,838/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$804,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,586
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$67,626
−HK$2,073/mo
Today · 4.125%
HK$69,699
baseline
▲ 0.50% · 4.625%
HK$73,940
+HK$4,241/mo
Deposit HK$6.16M · loan HK$14.38M · min. income ≈ HK$139,398/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$804,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,964
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$74,921
−HK$1,985/mo
Today · 4.125%
HK$76,906
baseline
▲ 0.50% · 4.625%
HK$80,960
+HK$4,054/mo
Deposit HK$6.16M · loan HK$14.38M · min. income ≈ HK$153,812/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$804,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,325
−HK$5,288/mo
▼ 0.25% · 3.875%
HK$86,948
−HK$2,665/mo
Today · 4.125%
HK$89,613
baseline
▲ 0.50% · 4.625%
HK$95,065
+HK$5,452/mo
Deposit HK$2.05M · loan HK$18.49M · min. income ≈ HK$179,226/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$804,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,810
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$96,326
−HK$2,553/mo
Today · 4.125%
HK$98,879
baseline
▲ 0.50% · 4.625%
HK$104,091
+HK$5,212/mo
Deposit HK$2.05M · loan HK$18.49M · min. income ≈ HK$197,758/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$804,467 · Scale 2, in force from 26 Feb 2026)