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$46,643
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$48,094
−HK$1,474/mo
Today · 4.125%
HK$49,568
baseline
▲ 0.50% · 4.625%
HK$52,584
+HK$3,016/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$99,136/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$795,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,890
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$53,281
−HK$1,412/mo
Today · 4.125%
HK$54,693
baseline
▲ 0.50% · 4.625%
HK$57,576
+HK$2,883/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$109,386/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$795,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,972
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$57,713
−HK$1,768/mo
Today · 4.125%
HK$59,481
baseline
▲ 0.50% · 4.625%
HK$63,101
+HK$3,620/mo
Deposit HK$8.18M · loan HK$12.27M · min. income ≈ HK$118,962/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$795,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,268
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$63,938
−HK$1,694/mo
Today · 4.125%
HK$65,632
baseline
▲ 0.50% · 4.625%
HK$69,091
+HK$3,459/mo
Deposit HK$8.18M · loan HK$12.27M · min. income ≈ HK$131,264/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$795,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,300
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$67,331
−HK$2,064/mo
Today · 4.125%
HK$69,395
baseline
▲ 0.50% · 4.625%
HK$73,618
+HK$4,223/mo
Deposit HK$6.14M · loan HK$14.32M · min. income ≈ HK$138,790/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$795,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,646
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,594
−HK$1,977/mo
Today · 4.125%
HK$76,571
baseline
▲ 0.50% · 4.625%
HK$80,607
+HK$4,036/mo
Deposit HK$6.14M · loan HK$14.32M · min. income ≈ HK$153,142/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$795,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,957
−HK$5,265/mo
▼ 0.25% · 3.875%
HK$86,569
−HK$2,653/mo
Today · 4.125%
HK$89,222
baseline
▲ 0.50% · 4.625%
HK$94,651
+HK$5,429/mo
Deposit HK$2.05M · loan HK$18.41M · min. income ≈ HK$178,444/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$795,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,402
−HK$5,046/mo
▼ 0.25% · 3.875%
HK$95,907
−HK$2,541/mo
Today · 4.125%
HK$98,448
baseline
▲ 0.50% · 4.625%
HK$103,637
+HK$5,189/mo
Deposit HK$2.05M · loan HK$18.41M · min. income ≈ HK$196,896/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$795,515 · Scale 2, in force from 26 Feb 2026)