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$46,795
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$48,251
−HK$1,479/mo
Today · 4.125%
HK$49,730
baseline
▲ 0.50% · 4.625%
HK$52,756
+HK$3,026/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$99,460/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$802,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,059
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$53,456
−HK$1,416/mo
Today · 4.125%
HK$54,872
baseline
▲ 0.50% · 4.625%
HK$57,764
+HK$2,892/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$109,744/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$802,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,155
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$57,901
−HK$1,775/mo
Today · 4.125%
HK$59,676
baseline
▲ 0.50% · 4.625%
HK$63,307
+HK$3,631/mo
Deposit HK$8.21M · loan HK$12.31M · min. income ≈ HK$119,352/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$802,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,471
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$64,147
−HK$1,699/mo
Today · 4.125%
HK$65,846
baseline
▲ 0.50% · 4.625%
HK$69,317
+HK$3,471/mo
Deposit HK$8.21M · loan HK$12.31M · min. income ≈ HK$131,692/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$802,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,514
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$67,551
−HK$2,071/mo
Today · 4.125%
HK$69,622
baseline
▲ 0.50% · 4.625%
HK$73,858
+HK$4,236/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$139,244/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$802,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,883
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$74,838
−HK$1,983/mo
Today · 4.125%
HK$76,821
baseline
▲ 0.50% · 4.625%
HK$80,870
+HK$4,049/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$153,642/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$802,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,232
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$86,852
−HK$2,662/mo
Today · 4.125%
HK$89,514
baseline
▲ 0.50% · 4.625%
HK$94,961
+HK$5,447/mo
Deposit HK$2.05M · loan HK$18.47M · min. income ≈ HK$179,028/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$802,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,707
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$96,220
−HK$2,550/mo
Today · 4.125%
HK$98,770
baseline
▲ 0.50% · 4.625%
HK$103,976
+HK$5,206/mo
Deposit HK$2.05M · loan HK$18.47M · min. income ≈ HK$197,540/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$802,201 · Scale 2, in force from 26 Feb 2026)