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$46,800
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$48,255
−HK$1,479/mo
Today · 4.125%
HK$49,734
baseline
▲ 0.50% · 4.625%
HK$52,761
+HK$3,027/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$99,468/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$802,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,064
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$53,460
−HK$1,417/mo
Today · 4.125%
HK$54,877
baseline
▲ 0.50% · 4.625%
HK$57,770
+HK$2,893/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$109,754/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$802,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,160
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$57,906
−HK$1,775/mo
Today · 4.125%
HK$59,681
baseline
▲ 0.50% · 4.625%
HK$63,313
+HK$3,632/mo
Deposit HK$8.21M · loan HK$12.31M · min. income ≈ HK$119,362/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$802,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,477
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$64,152
−HK$1,700/mo
Today · 4.125%
HK$65,852
baseline
▲ 0.50% · 4.625%
HK$69,323
+HK$3,471/mo
Deposit HK$8.21M · loan HK$12.31M · min. income ≈ HK$131,704/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$802,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,519
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$67,557
−HK$2,071/mo
Today · 4.125%
HK$69,628
baseline
▲ 0.50% · 4.625%
HK$73,865
+HK$4,237/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$139,256/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$802,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,890
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$74,845
−HK$1,983/mo
Today · 4.125%
HK$76,828
baseline
▲ 0.50% · 4.625%
HK$80,877
+HK$4,049/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$153,656/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$802,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,239
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$86,860
−HK$2,662/mo
Today · 4.125%
HK$89,522
baseline
▲ 0.50% · 4.625%
HK$94,969
+HK$5,447/mo
Deposit HK$2.05M · loan HK$18.47M · min. income ≈ HK$179,044/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$802,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,715
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$96,229
−HK$2,549/mo
Today · 4.125%
HK$98,778
baseline
▲ 0.50% · 4.625%
HK$103,985
+HK$5,207/mo
Deposit HK$2.05M · loan HK$18.47M · min. income ≈ HK$197,556/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$802,383 · Scale 2, in force from 26 Feb 2026)