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$46,832
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$48,289
−HK$1,480/mo
Today · 4.125%
HK$49,769
baseline
▲ 0.50% · 4.625%
HK$52,798
+HK$3,029/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$99,538/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$803,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,101
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,498
−HK$1,417/mo
Today · 4.125%
HK$54,915
baseline
▲ 0.50% · 4.625%
HK$57,810
+HK$2,895/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$109,830/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$803,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,199
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$57,947
−HK$1,776/mo
Today · 4.125%
HK$59,723
baseline
▲ 0.50% · 4.625%
HK$63,357
+HK$3,634/mo
Deposit HK$8.22M · loan HK$12.32M · min. income ≈ HK$119,446/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$803,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,521
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,198
−HK$1,701/mo
Today · 4.125%
HK$65,899
baseline
▲ 0.50% · 4.625%
HK$69,372
+HK$3,473/mo
Deposit HK$8.22M · loan HK$12.32M · min. income ≈ HK$131,798/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$803,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,565
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$67,605
−HK$2,072/mo
Today · 4.125%
HK$69,677
baseline
▲ 0.50% · 4.625%
HK$73,917
+HK$4,240/mo
Deposit HK$6.16M · loan HK$14.38M · min. income ≈ HK$139,354/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$803,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,941
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$74,897
−HK$1,985/mo
Today · 4.125%
HK$76,882
baseline
▲ 0.50% · 4.625%
HK$80,934
+HK$4,052/mo
Deposit HK$6.16M · loan HK$14.38M · min. income ≈ HK$153,764/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$803,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,298
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$86,921
−HK$2,664/mo
Today · 4.125%
HK$89,585
baseline
▲ 0.50% · 4.625%
HK$95,036
+HK$5,451/mo
Deposit HK$2.05M · loan HK$18.48M · min. income ≈ HK$179,170/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$803,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,781
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$96,296
−HK$2,552/mo
Today · 4.125%
HK$98,848
baseline
▲ 0.50% · 4.625%
HK$104,058
+HK$5,210/mo
Deposit HK$2.05M · loan HK$18.48M · min. income ≈ HK$197,696/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$803,824 · Scale 2, in force from 26 Feb 2026)