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$46,837
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$48,294
−HK$1,480/mo
Today · 4.125%
HK$49,774
baseline
▲ 0.50% · 4.625%
HK$52,803
+HK$3,029/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$99,548/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$804,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,106
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$53,503
−HK$1,418/mo
Today · 4.125%
HK$54,921
baseline
▲ 0.50% · 4.625%
HK$57,816
+HK$2,895/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$109,842/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$804,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,204
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$57,953
−HK$1,776/mo
Today · 4.125%
HK$59,729
baseline
▲ 0.50% · 4.625%
HK$63,363
+HK$3,634/mo
Deposit HK$8.22M · loan HK$12.32M · min. income ≈ HK$119,458/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$804,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,527
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,204
−HK$1,701/mo
Today · 4.125%
HK$65,905
baseline
▲ 0.50% · 4.625%
HK$69,379
+HK$3,474/mo
Deposit HK$8.22M · loan HK$12.32M · min. income ≈ HK$131,810/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$804,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,572
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$67,611
−HK$2,073/mo
Today · 4.125%
HK$69,684
baseline
▲ 0.50% · 4.625%
HK$73,924
+HK$4,240/mo
Deposit HK$6.16M · loan HK$14.38M · min. income ≈ HK$139,368/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$804,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,948
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$74,904
−HK$1,985/mo
Today · 4.125%
HK$76,889
baseline
▲ 0.50% · 4.625%
HK$80,942
+HK$4,053/mo
Deposit HK$6.16M · loan HK$14.38M · min. income ≈ HK$153,778/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$804,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,307
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$86,929
−HK$2,664/mo
Today · 4.125%
HK$89,593
baseline
▲ 0.50% · 4.625%
HK$95,045
+HK$5,452/mo
Deposit HK$2.05M · loan HK$18.49M · min. income ≈ HK$179,186/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$804,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,790
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$96,306
−HK$2,551/mo
Today · 4.125%
HK$98,857
baseline
▲ 0.50% · 4.625%
HK$104,068
+HK$5,211/mo
Deposit HK$2.05M · loan HK$18.49M · min. income ≈ HK$197,714/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$804,024 · Scale 2, in force from 26 Feb 2026)