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$46,957
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,417
−HK$1,484/mo
Today · 4.125%
HK$49,901
baseline
▲ 0.50% · 4.625%
HK$52,938
+HK$3,037/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$99,802/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$809,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,239
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,640
−HK$1,421/mo
Today · 4.125%
HK$55,061
baseline
▲ 0.50% · 4.625%
HK$57,963
+HK$2,902/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$110,122/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$809,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,348
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,101
−HK$1,780/mo
Today · 4.125%
HK$59,881
baseline
▲ 0.50% · 4.625%
HK$63,525
+HK$3,644/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$119,762/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$809,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,686
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,368
−HK$1,705/mo
Today · 4.125%
HK$66,073
baseline
▲ 0.50% · 4.625%
HK$69,556
+HK$3,483/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$132,146/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$809,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,739
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$67,784
−HK$2,078/mo
Today · 4.125%
HK$69,862
baseline
▲ 0.50% · 4.625%
HK$74,113
+HK$4,251/mo
Deposit HK$6.18M · loan HK$14.41M · min. income ≈ HK$139,724/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$809,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,134
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$75,096
−HK$1,989/mo
Today · 4.125%
HK$77,085
baseline
▲ 0.50% · 4.625%
HK$81,149
+HK$4,064/mo
Deposit HK$6.18M · loan HK$14.41M · min. income ≈ HK$154,170/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$809,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,522
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$87,151
−HK$2,671/mo
Today · 4.125%
HK$89,822
baseline
▲ 0.50% · 4.625%
HK$95,288
+HK$5,466/mo
Deposit HK$2.06M · loan HK$18.53M · min. income ≈ HK$179,644/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$809,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,030
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$96,552
−HK$2,558/mo
Today · 4.125%
HK$99,110
baseline
▲ 0.50% · 4.625%
HK$104,334
+HK$5,224/mo
Deposit HK$2.06M · loan HK$18.53M · min. income ≈ HK$198,220/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$809,268 · Scale 2, in force from 26 Feb 2026)