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$46,903
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$48,362
−HK$1,482/mo
Today · 4.125%
HK$49,844
baseline
▲ 0.50% · 4.625%
HK$52,877
+HK$3,033/mo
Deposit HK$10.28M · loan HK$10.28M · min. income ≈ HK$99,688/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$806,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,179
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$53,578
−HK$1,420/mo
Today · 4.125%
HK$54,998
baseline
▲ 0.50% · 4.625%
HK$57,897
+HK$2,899/mo
Deposit HK$10.28M · loan HK$10.28M · min. income ≈ HK$109,996/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$806,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,283
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$58,034
−HK$1,779/mo
Today · 4.125%
HK$59,813
baseline
▲ 0.50% · 4.625%
HK$63,452
+HK$3,639/mo
Deposit HK$8.23M · loan HK$12.34M · min. income ≈ HK$119,626/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$806,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,614
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$64,294
−HK$1,703/mo
Today · 4.125%
HK$65,997
baseline
▲ 0.50% · 4.625%
HK$69,476
+HK$3,479/mo
Deposit HK$8.23M · loan HK$12.34M · min. income ≈ HK$131,994/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$806,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,664
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$67,706
−HK$2,075/mo
Today · 4.125%
HK$69,781
baseline
▲ 0.50% · 4.625%
HK$74,027
+HK$4,246/mo
Deposit HK$6.17M · loan HK$14.40M · min. income ≈ HK$139,562/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$806,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,050
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$75,009
−HK$1,988/mo
Today · 4.125%
HK$76,997
baseline
▲ 0.50% · 4.625%
HK$81,056
+HK$4,059/mo
Deposit HK$6.17M · loan HK$14.40M · min. income ≈ HK$153,994/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$806,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,425
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$87,051
−HK$2,668/mo
Today · 4.125%
HK$89,719
baseline
▲ 0.50% · 4.625%
HK$95,178
+HK$5,459/mo
Deposit HK$2.06M · loan HK$18.51M · min. income ≈ HK$179,438/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$806,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,922
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$96,441
−HK$2,555/mo
Today · 4.125%
HK$98,996
baseline
▲ 0.50% · 4.625%
HK$104,214
+HK$5,218/mo
Deposit HK$2.06M · loan HK$18.51M · min. income ≈ HK$197,992/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$806,903 · Scale 2, in force from 26 Feb 2026)