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$46,787
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$48,242
−HK$1,479/mo
Today · 4.125%
HK$49,721
baseline
▲ 0.50% · 4.625%
HK$52,746
+HK$3,025/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$99,442/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$801,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,050
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$53,446
−HK$1,416/mo
Today · 4.125%
HK$54,862
baseline
▲ 0.50% · 4.625%
HK$57,754
+HK$2,892/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$109,724/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$801,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,144
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$57,891
−HK$1,774/mo
Today · 4.125%
HK$59,665
baseline
▲ 0.50% · 4.625%
HK$63,296
+HK$3,631/mo
Deposit HK$8.21M · loan HK$12.31M · min. income ≈ HK$119,330/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$801,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,460
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$64,135
−HK$1,700/mo
Today · 4.125%
HK$65,835
baseline
▲ 0.50% · 4.625%
HK$69,305
+HK$3,470/mo
Deposit HK$8.21M · loan HK$12.31M · min. income ≈ HK$131,670/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$801,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,502
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$67,539
−HK$2,070/mo
Today · 4.125%
HK$69,609
baseline
▲ 0.50% · 4.625%
HK$73,845
+HK$4,236/mo
Deposit HK$6.16M · loan HK$14.36M · min. income ≈ HK$139,218/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$801,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,870
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$74,824
−HK$1,983/mo
Today · 4.125%
HK$76,807
baseline
▲ 0.50% · 4.625%
HK$80,856
+HK$4,049/mo
Deposit HK$6.16M · loan HK$14.36M · min. income ≈ HK$153,614/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$801,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,217
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$86,836
−HK$2,662/mo
Today · 4.125%
HK$89,498
baseline
▲ 0.50% · 4.625%
HK$94,943
+HK$5,445/mo
Deposit HK$2.05M · loan HK$18.47M · min. income ≈ HK$178,996/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$801,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,690
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$96,203
−HK$2,549/mo
Today · 4.125%
HK$98,752
baseline
▲ 0.50% · 4.625%
HK$103,957
+HK$5,205/mo
Deposit HK$2.05M · loan HK$18.47M · min. income ≈ HK$197,504/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$801,830 · Scale 2, in force from 26 Feb 2026)