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$46,781
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$48,236
−HK$1,479/mo
Today · 4.125%
HK$49,715
baseline
▲ 0.50% · 4.625%
HK$52,740
+HK$3,025/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$99,430/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$801,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,043
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$53,439
−HK$1,416/mo
Today · 4.125%
HK$54,855
baseline
▲ 0.50% · 4.625%
HK$57,747
+HK$2,892/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$109,710/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$801,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,137
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$57,883
−HK$1,775/mo
Today · 4.125%
HK$59,658
baseline
▲ 0.50% · 4.625%
HK$63,288
+HK$3,630/mo
Deposit HK$8.21M · loan HK$12.31M · min. income ≈ HK$119,316/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$801,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,452
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$64,127
−HK$1,699/mo
Today · 4.125%
HK$65,826
baseline
▲ 0.50% · 4.625%
HK$69,296
+HK$3,470/mo
Deposit HK$8.21M · loan HK$12.31M · min. income ≈ HK$131,652/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$801,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,493
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$67,531
−HK$2,069/mo
Today · 4.125%
HK$69,600
baseline
▲ 0.50% · 4.625%
HK$73,835
+HK$4,235/mo
Deposit HK$6.15M · loan HK$14.36M · min. income ≈ HK$139,200/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$801,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,861
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$74,815
−HK$1,982/mo
Today · 4.125%
HK$76,797
baseline
▲ 0.50% · 4.625%
HK$80,845
+HK$4,048/mo
Deposit HK$6.15M · loan HK$14.36M · min. income ≈ HK$153,594/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$801,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,206
−HK$5,280/mo
▼ 0.25% · 3.875%
HK$86,825
−HK$2,661/mo
Today · 4.125%
HK$89,486
baseline
▲ 0.50% · 4.625%
HK$94,931
+HK$5,445/mo
Deposit HK$2.05M · loan HK$18.46M · min. income ≈ HK$178,972/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$801,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,678
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$96,191
−HK$2,548/mo
Today · 4.125%
HK$98,739
baseline
▲ 0.50% · 4.625%
HK$103,944
+HK$5,205/mo
Deposit HK$2.05M · loan HK$18.46M · min. income ≈ HK$197,478/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$801,570 · Scale 2, in force from 26 Feb 2026)