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$46,853
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$48,310
−HK$1,481/mo
Today · 4.125%
HK$49,791
baseline
▲ 0.50% · 4.625%
HK$52,821
+HK$3,030/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$99,582/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$804,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,123
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$53,521
−HK$1,418/mo
Today · 4.125%
HK$54,939
baseline
▲ 0.50% · 4.625%
HK$57,835
+HK$2,896/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$109,878/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$804,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,223
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$57,972
−HK$1,777/mo
Today · 4.125%
HK$59,749
baseline
▲ 0.50% · 4.625%
HK$63,385
+HK$3,636/mo
Deposit HK$8.22M · loan HK$12.33M · min. income ≈ HK$119,498/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$804,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,548
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$64,225
−HK$1,702/mo
Today · 4.125%
HK$65,927
baseline
▲ 0.50% · 4.625%
HK$69,402
+HK$3,475/mo
Deposit HK$8.22M · loan HK$12.33M · min. income ≈ HK$131,854/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$804,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,594
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$67,634
−HK$2,073/mo
Today · 4.125%
HK$69,707
baseline
▲ 0.50% · 4.625%
HK$73,949
+HK$4,242/mo
Deposit HK$6.16M · loan HK$14.38M · min. income ≈ HK$139,414/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$804,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,973
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$74,930
−HK$1,985/mo
Today · 4.125%
HK$76,915
baseline
▲ 0.50% · 4.625%
HK$80,969
+HK$4,054/mo
Deposit HK$6.16M · loan HK$14.38M · min. income ≈ HK$153,830/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$804,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,335
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$86,958
−HK$2,666/mo
Today · 4.125%
HK$89,624
baseline
▲ 0.50% · 4.625%
HK$95,077
+HK$5,453/mo
Deposit HK$2.05M · loan HK$18.49M · min. income ≈ HK$179,248/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$804,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,822
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$96,338
−HK$2,553/mo
Today · 4.125%
HK$98,891
baseline
▲ 0.50% · 4.625%
HK$104,104
+HK$5,213/mo
Deposit HK$2.05M · loan HK$18.49M · min. income ≈ HK$197,782/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$804,718 · Scale 2, in force from 26 Feb 2026)