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$46,696
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,148
−HK$1,476/mo
Today · 4.125%
HK$49,624
baseline
▲ 0.50% · 4.625%
HK$52,643
+HK$3,019/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$99,248/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$797,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,948
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$53,342
−HK$1,413/mo
Today · 4.125%
HK$54,755
baseline
▲ 0.50% · 4.625%
HK$57,641
+HK$2,886/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$109,510/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$797,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,035
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$57,778
−HK$1,771/mo
Today · 4.125%
HK$59,549
baseline
▲ 0.50% · 4.625%
HK$63,172
+HK$3,623/mo
Deposit HK$8.19M · loan HK$12.29M · min. income ≈ HK$119,098/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$797,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,338
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$64,010
−HK$1,696/mo
Today · 4.125%
HK$65,706
baseline
▲ 0.50% · 4.625%
HK$69,170
+HK$3,464/mo
Deposit HK$8.19M · loan HK$12.29M · min. income ≈ HK$131,412/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$797,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,374
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$67,407
−HK$2,066/mo
Today · 4.125%
HK$69,473
baseline
▲ 0.50% · 4.625%
HK$73,701
+HK$4,228/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$138,946/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$797,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,728
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$74,678
−HK$1,979/mo
Today · 4.125%
HK$76,657
baseline
▲ 0.50% · 4.625%
HK$80,698
+HK$4,041/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$153,314/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$797,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,052
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$86,667
−HK$2,656/mo
Today · 4.125%
HK$89,323
baseline
▲ 0.50% · 4.625%
HK$94,758
+HK$5,435/mo
Deposit HK$2.05M · loan HK$18.43M · min. income ≈ HK$178,646/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$797,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,507
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$96,015
−HK$2,544/mo
Today · 4.125%
HK$98,559
baseline
▲ 0.50% · 4.625%
HK$103,754
+HK$5,195/mo
Deposit HK$2.05M · loan HK$18.43M · min. income ≈ HK$197,118/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$797,826 · Scale 2, in force from 26 Feb 2026)