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$46,935
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,395
−HK$1,484/mo
Today · 4.125%
HK$49,879
baseline
▲ 0.50% · 4.625%
HK$52,914
+HK$3,035/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$99,758/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$808,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,215
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,616
−HK$1,420/mo
Today · 4.125%
HK$55,036
baseline
▲ 0.50% · 4.625%
HK$57,937
+HK$2,901/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$110,072/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$808,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,323
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$58,075
−HK$1,779/mo
Today · 4.125%
HK$59,854
baseline
▲ 0.50% · 4.625%
HK$63,496
+HK$3,642/mo
Deposit HK$8.23M · loan HK$12.35M · min. income ≈ HK$119,708/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$808,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,658
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,339
−HK$1,705/mo
Today · 4.125%
HK$66,044
baseline
▲ 0.50% · 4.625%
HK$69,525
+HK$3,481/mo
Deposit HK$8.23M · loan HK$12.35M · min. income ≈ HK$132,088/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$808,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,710
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$67,754
−HK$2,076/mo
Today · 4.125%
HK$69,830
baseline
▲ 0.50% · 4.625%
HK$74,079
+HK$4,249/mo
Deposit HK$6.18M · loan HK$14.41M · min. income ≈ HK$139,660/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$808,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,101
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$75,062
−HK$1,989/mo
Today · 4.125%
HK$77,051
baseline
▲ 0.50% · 4.625%
HK$81,112
+HK$4,061/mo
Deposit HK$6.18M · loan HK$14.41M · min. income ≈ HK$154,102/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$808,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,484
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$87,112
−HK$2,670/mo
Today · 4.125%
HK$89,782
baseline
▲ 0.50% · 4.625%
HK$95,245
+HK$5,463/mo
Deposit HK$2.06M · loan HK$18.53M · min. income ≈ HK$179,564/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$808,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,987
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$96,508
−HK$2,557/mo
Today · 4.125%
HK$99,065
baseline
▲ 0.50% · 4.625%
HK$104,287
+HK$5,222/mo
Deposit HK$2.06M · loan HK$18.53M · min. income ≈ HK$198,130/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$808,342 · Scale 2, in force from 26 Feb 2026)