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$46,968
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$48,429
−HK$1,485/mo
Today · 4.125%
HK$49,914
baseline
▲ 0.50% · 4.625%
HK$52,951
+HK$3,037/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$99,828/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$809,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,252
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,653
−HK$1,422/mo
Today · 4.125%
HK$55,075
baseline
▲ 0.50% · 4.625%
HK$57,978
+HK$2,903/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$110,150/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$809,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,362
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$58,115
−HK$1,781/mo
Today · 4.125%
HK$59,896
baseline
▲ 0.50% · 4.625%
HK$63,541
+HK$3,645/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$119,792/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$809,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,702
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$64,384
−HK$1,706/mo
Today · 4.125%
HK$66,090
baseline
▲ 0.50% · 4.625%
HK$69,573
+HK$3,483/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$132,180/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$809,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,756
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$67,801
−HK$2,078/mo
Today · 4.125%
HK$69,879
baseline
▲ 0.50% · 4.625%
HK$74,131
+HK$4,252/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$139,758/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$809,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,152
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$75,114
−HK$1,991/mo
Today · 4.125%
HK$77,105
baseline
▲ 0.50% · 4.625%
HK$81,169
+HK$4,064/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$154,210/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$809,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,543
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$87,173
−HK$2,671/mo
Today · 4.125%
HK$89,844
baseline
▲ 0.50% · 4.625%
HK$95,311
+HK$5,467/mo
Deposit HK$2.06M · loan HK$18.54M · min. income ≈ HK$179,688/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$809,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,053
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$96,576
−HK$2,559/mo
Today · 4.125%
HK$99,135
baseline
▲ 0.50% · 4.625%
HK$104,360
+HK$5,225/mo
Deposit HK$2.06M · loan HK$18.54M · min. income ≈ HK$198,270/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$809,781 · Scale 2, in force from 26 Feb 2026)