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$46,776
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$48,231
−HK$1,479/mo
Today · 4.125%
HK$49,710
baseline
▲ 0.50% · 4.625%
HK$52,734
+HK$3,024/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$99,420/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$801,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,038
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$53,434
−HK$1,416/mo
Today · 4.125%
HK$54,850
baseline
▲ 0.50% · 4.625%
HK$57,741
+HK$2,891/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$109,700/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$801,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,132
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$57,878
−HK$1,774/mo
Today · 4.125%
HK$59,652
baseline
▲ 0.50% · 4.625%
HK$63,281
+HK$3,629/mo
Deposit HK$8.21M · loan HK$12.31M · min. income ≈ HK$119,304/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$801,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,446
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$64,121
−HK$1,699/mo
Today · 4.125%
HK$65,820
baseline
▲ 0.50% · 4.625%
HK$69,289
+HK$3,469/mo
Deposit HK$8.21M · loan HK$12.31M · min. income ≈ HK$131,640/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$801,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,487
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$67,524
−HK$2,070/mo
Today · 4.125%
HK$69,594
baseline
▲ 0.50% · 4.625%
HK$73,828
+HK$4,234/mo
Deposit HK$6.15M · loan HK$14.36M · min. income ≈ HK$139,188/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$801,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,854
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$74,808
−HK$1,982/mo
Today · 4.125%
HK$76,790
baseline
▲ 0.50% · 4.625%
HK$80,837
+HK$4,047/mo
Deposit HK$6.15M · loan HK$14.36M · min. income ≈ HK$153,580/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$801,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,198
−HK$5,280/mo
▼ 0.25% · 3.875%
HK$86,817
−HK$2,661/mo
Today · 4.125%
HK$89,478
baseline
▲ 0.50% · 4.625%
HK$94,922
+HK$5,444/mo
Deposit HK$2.05M · loan HK$18.46M · min. income ≈ HK$178,956/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$801,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,669
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$96,181
−HK$2,549/mo
Today · 4.125%
HK$98,730
baseline
▲ 0.50% · 4.625%
HK$103,934
+HK$5,204/mo
Deposit HK$2.05M · loan HK$18.46M · min. income ≈ HK$197,460/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$801,370 · Scale 2, in force from 26 Feb 2026)