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$46,829
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$48,286
−HK$1,480/mo
Today · 4.125%
HK$49,766
baseline
▲ 0.50% · 4.625%
HK$52,794
+HK$3,028/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$99,532/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$803,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,097
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$53,494
−HK$1,418/mo
Today · 4.125%
HK$54,912
baseline
▲ 0.50% · 4.625%
HK$57,806
+HK$2,894/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$109,824/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$803,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,195
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$57,943
−HK$1,776/mo
Today · 4.125%
HK$59,719
baseline
▲ 0.50% · 4.625%
HK$63,353
+HK$3,634/mo
Deposit HK$8.21M · loan HK$12.32M · min. income ≈ HK$119,438/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$803,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,516
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,193
−HK$1,701/mo
Today · 4.125%
HK$65,894
baseline
▲ 0.50% · 4.625%
HK$69,367
+HK$3,473/mo
Deposit HK$8.21M · loan HK$12.32M · min. income ≈ HK$131,788/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$803,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,561
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$67,600
−HK$2,072/mo
Today · 4.125%
HK$69,672
baseline
▲ 0.50% · 4.625%
HK$73,911
+HK$4,239/mo
Deposit HK$6.16M · loan HK$14.38M · min. income ≈ HK$139,344/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$803,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,936
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$74,892
−HK$1,984/mo
Today · 4.125%
HK$76,876
baseline
▲ 0.50% · 4.625%
HK$80,928
+HK$4,052/mo
Deposit HK$6.16M · loan HK$14.38M · min. income ≈ HK$153,752/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$803,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,292
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$86,914
−HK$2,664/mo
Today · 4.125%
HK$89,578
baseline
▲ 0.50% · 4.625%
HK$95,029
+HK$5,451/mo
Deposit HK$2.05M · loan HK$18.48M · min. income ≈ HK$179,156/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$803,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,774
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$96,289
−HK$2,552/mo
Today · 4.125%
HK$98,841
baseline
▲ 0.50% · 4.625%
HK$104,051
+HK$5,210/mo
Deposit HK$2.05M · loan HK$18.48M · min. income ≈ HK$197,682/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$803,677 · Scale 2, in force from 26 Feb 2026)