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$46,901
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$48,360
−HK$1,482/mo
Today · 4.125%
HK$49,842
baseline
▲ 0.50% · 4.625%
HK$52,875
+HK$3,033/mo
Deposit HK$10.28M · loan HK$10.28M · min. income ≈ HK$99,684/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$806,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,177
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$53,576
−HK$1,419/mo
Today · 4.125%
HK$54,995
baseline
▲ 0.50% · 4.625%
HK$57,894
+HK$2,899/mo
Deposit HK$10.28M · loan HK$10.28M · min. income ≈ HK$109,990/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$806,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,281
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$58,031
−HK$1,779/mo
Today · 4.125%
HK$59,810
baseline
▲ 0.50% · 4.625%
HK$63,449
+HK$3,639/mo
Deposit HK$8.23M · loan HK$12.34M · min. income ≈ HK$119,620/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$806,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,612
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$64,291
−HK$1,704/mo
Today · 4.125%
HK$65,995
baseline
▲ 0.50% · 4.625%
HK$69,473
+HK$3,478/mo
Deposit HK$8.23M · loan HK$12.34M · min. income ≈ HK$131,990/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$806,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,661
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$67,703
−HK$2,075/mo
Today · 4.125%
HK$69,778
baseline
▲ 0.50% · 4.625%
HK$74,024
+HK$4,246/mo
Deposit HK$6.17M · loan HK$14.40M · min. income ≈ HK$139,556/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$806,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,047
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$75,006
−HK$1,988/mo
Today · 4.125%
HK$76,994
baseline
▲ 0.50% · 4.625%
HK$81,052
+HK$4,058/mo
Deposit HK$6.17M · loan HK$14.40M · min. income ≈ HK$153,988/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$806,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,421
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$87,047
−HK$2,668/mo
Today · 4.125%
HK$89,715
baseline
▲ 0.50% · 4.625%
HK$95,174
+HK$5,459/mo
Deposit HK$2.06M · loan HK$18.51M · min. income ≈ HK$179,430/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$806,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,918
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$96,437
−HK$2,555/mo
Today · 4.125%
HK$98,992
baseline
▲ 0.50% · 4.625%
HK$104,210
+HK$5,218/mo
Deposit HK$2.06M · loan HK$18.51M · min. income ≈ HK$197,984/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$806,817 · Scale 2, in force from 26 Feb 2026)