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$46,952
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,412
−HK$1,484/mo
Today · 4.125%
HK$49,896
baseline
▲ 0.50% · 4.625%
HK$52,932
+HK$3,036/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$99,792/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$809,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,233
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,634
−HK$1,421/mo
Today · 4.125%
HK$55,055
baseline
▲ 0.50% · 4.625%
HK$57,957
+HK$2,902/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$110,110/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$809,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,342
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,094
−HK$1,781/mo
Today · 4.125%
HK$59,875
baseline
▲ 0.50% · 4.625%
HK$63,518
+HK$3,643/mo
Deposit HK$8.24M · loan HK$12.35M · min. income ≈ HK$119,750/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$809,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,680
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,361
−HK$1,705/mo
Today · 4.125%
HK$66,066
baseline
▲ 0.50% · 4.625%
HK$69,549
+HK$3,483/mo
Deposit HK$8.24M · loan HK$12.35M · min. income ≈ HK$132,132/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$809,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,732
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$67,777
−HK$2,077/mo
Today · 4.125%
HK$69,854
baseline
▲ 0.50% · 4.625%
HK$74,105
+HK$4,251/mo
Deposit HK$6.18M · loan HK$14.41M · min. income ≈ HK$139,708/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$809,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,126
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$75,088
−HK$1,989/mo
Today · 4.125%
HK$77,077
baseline
▲ 0.50% · 4.625%
HK$81,140
+HK$4,063/mo
Deposit HK$6.18M · loan HK$14.41M · min. income ≈ HK$154,154/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$809,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,513
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$87,142
−HK$2,670/mo
Today · 4.125%
HK$89,812
baseline
▲ 0.50% · 4.625%
HK$95,277
+HK$5,465/mo
Deposit HK$2.06M · loan HK$18.53M · min. income ≈ HK$179,624/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$809,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,020
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$96,541
−HK$2,558/mo
Today · 4.125%
HK$99,099
baseline
▲ 0.50% · 4.625%
HK$104,323
+HK$5,224/mo
Deposit HK$2.06M · loan HK$18.53M · min. income ≈ HK$198,198/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$809,047 · Scale 2, in force from 26 Feb 2026)