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$46,840
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$48,297
−HK$1,480/mo
Today · 4.125%
HK$49,777
baseline
▲ 0.50% · 4.625%
HK$52,806
+HK$3,029/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$99,554/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$804,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,109
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$53,507
−HK$1,417/mo
Today · 4.125%
HK$54,924
baseline
▲ 0.50% · 4.625%
HK$57,819
+HK$2,895/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$109,848/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$804,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,208
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$57,956
−HK$1,777/mo
Today · 4.125%
HK$59,733
baseline
▲ 0.50% · 4.625%
HK$63,367
+HK$3,634/mo
Deposit HK$8.22M · loan HK$12.32M · min. income ≈ HK$119,466/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$804,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,531
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,208
−HK$1,701/mo
Today · 4.125%
HK$65,909
baseline
▲ 0.50% · 4.625%
HK$69,383
+HK$3,474/mo
Deposit HK$8.22M · loan HK$12.32M · min. income ≈ HK$131,818/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$804,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,576
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$67,616
−HK$2,072/mo
Today · 4.125%
HK$69,688
baseline
▲ 0.50% · 4.625%
HK$73,929
+HK$4,241/mo
Deposit HK$6.16M · loan HK$14.38M · min. income ≈ HK$139,376/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$804,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,953
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$74,909
−HK$1,985/mo
Today · 4.125%
HK$76,894
baseline
▲ 0.50% · 4.625%
HK$80,947
+HK$4,053/mo
Deposit HK$6.16M · loan HK$14.38M · min. income ≈ HK$153,788/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$804,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,312
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$86,935
−HK$2,664/mo
Today · 4.125%
HK$89,599
baseline
▲ 0.50% · 4.625%
HK$95,051
+HK$5,452/mo
Deposit HK$2.05M · loan HK$18.49M · min. income ≈ HK$179,198/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$804,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,796
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$96,312
−HK$2,552/mo
Today · 4.125%
HK$98,864
baseline
▲ 0.50% · 4.625%
HK$104,075
+HK$5,211/mo
Deposit HK$2.05M · loan HK$18.49M · min. income ≈ HK$197,728/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$804,157 · Scale 2, in force from 26 Feb 2026)