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$46,790
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$48,245
−HK$1,479/mo
Today · 4.125%
HK$49,724
baseline
▲ 0.50% · 4.625%
HK$52,749
+HK$3,025/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$99,448/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$801,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,053
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$53,449
−HK$1,416/mo
Today · 4.125%
HK$54,865
baseline
▲ 0.50% · 4.625%
HK$57,757
+HK$2,892/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$109,730/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$801,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,148
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$57,894
−HK$1,775/mo
Today · 4.125%
HK$59,669
baseline
▲ 0.50% · 4.625%
HK$63,299
+HK$3,630/mo
Deposit HK$8.21M · loan HK$12.31M · min. income ≈ HK$119,338/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$801,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,464
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$64,139
−HK$1,699/mo
Today · 4.125%
HK$65,838
baseline
▲ 0.50% · 4.625%
HK$69,309
+HK$3,471/mo
Deposit HK$8.21M · loan HK$12.31M · min. income ≈ HK$131,676/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$801,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,506
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$67,543
−HK$2,070/mo
Today · 4.125%
HK$69,613
baseline
▲ 0.50% · 4.625%
HK$73,849
+HK$4,236/mo
Deposit HK$6.16M · loan HK$14.36M · min. income ≈ HK$139,226/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$801,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,874
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$74,829
−HK$1,982/mo
Today · 4.125%
HK$76,811
baseline
▲ 0.50% · 4.625%
HK$80,860
+HK$4,049/mo
Deposit HK$6.16M · loan HK$14.36M · min. income ≈ HK$153,622/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$801,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,221
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$86,841
−HK$2,662/mo
Today · 4.125%
HK$89,503
baseline
▲ 0.50% · 4.625%
HK$94,949
+HK$5,446/mo
Deposit HK$2.05M · loan HK$18.47M · min. income ≈ HK$179,006/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$801,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,695
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$96,208
−HK$2,550/mo
Today · 4.125%
HK$98,758
baseline
▲ 0.50% · 4.625%
HK$103,963
+HK$5,205/mo
Deposit HK$2.05M · loan HK$18.47M · min. income ≈ HK$197,516/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$801,948 · Scale 2, in force from 26 Feb 2026)