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$46,846
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$48,303
−HK$1,481/mo
Today · 4.125%
HK$49,784
baseline
▲ 0.50% · 4.625%
HK$52,813
+HK$3,029/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$99,568/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$804,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,116
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$53,514
−HK$1,418/mo
Today · 4.125%
HK$54,932
baseline
▲ 0.50% · 4.625%
HK$57,827
+HK$2,895/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$109,864/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$804,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,215
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$57,964
−HK$1,777/mo
Today · 4.125%
HK$59,741
baseline
▲ 0.50% · 4.625%
HK$63,376
+HK$3,635/mo
Deposit HK$8.22M · loan HK$12.33M · min. income ≈ HK$119,482/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$804,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,539
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$64,216
−HK$1,702/mo
Today · 4.125%
HK$65,918
baseline
▲ 0.50% · 4.625%
HK$69,392
+HK$3,474/mo
Deposit HK$8.22M · loan HK$12.33M · min. income ≈ HK$131,836/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$804,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,585
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$67,625
−HK$2,072/mo
Today · 4.125%
HK$69,697
baseline
▲ 0.50% · 4.625%
HK$73,938
+HK$4,241/mo
Deposit HK$6.16M · loan HK$14.38M · min. income ≈ HK$139,394/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$804,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,962
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$74,919
−HK$1,985/mo
Today · 4.125%
HK$76,904
baseline
▲ 0.50% · 4.625%
HK$80,958
+HK$4,054/mo
Deposit HK$6.16M · loan HK$14.38M · min. income ≈ HK$153,808/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$804,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,323
−HK$5,288/mo
▼ 0.25% · 3.875%
HK$86,946
−HK$2,665/mo
Today · 4.125%
HK$89,611
baseline
▲ 0.50% · 4.625%
HK$95,063
+HK$5,452/mo
Deposit HK$2.05M · loan HK$18.49M · min. income ≈ HK$179,222/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$804,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,809
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$96,324
−HK$2,553/mo
Today · 4.125%
HK$98,877
baseline
▲ 0.50% · 4.625%
HK$104,089
+HK$5,212/mo
Deposit HK$2.05M · loan HK$18.49M · min. income ≈ HK$197,754/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$804,424 · Scale 2, in force from 26 Feb 2026)