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$46,816
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,273
−HK$1,479/mo
Today · 4.125%
HK$49,752
baseline
▲ 0.50% · 4.625%
HK$52,780
+HK$3,028/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$99,504/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$803,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,083
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,480
−HK$1,417/mo
Today · 4.125%
HK$54,897
baseline
▲ 0.50% · 4.625%
HK$57,790
+HK$2,893/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$109,794/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$803,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,180
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$57,927
−HK$1,776/mo
Today · 4.125%
HK$59,703
baseline
▲ 0.50% · 4.625%
HK$63,335
+HK$3,632/mo
Deposit HK$8.21M · loan HK$12.32M · min. income ≈ HK$119,406/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$803,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,499
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$64,176
−HK$1,700/mo
Today · 4.125%
HK$65,876
baseline
▲ 0.50% · 4.625%
HK$69,348
+HK$3,472/mo
Deposit HK$8.21M · loan HK$12.32M · min. income ≈ HK$131,752/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$803,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,543
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$67,582
−HK$2,071/mo
Today · 4.125%
HK$69,653
baseline
▲ 0.50% · 4.625%
HK$73,891
+HK$4,238/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$139,306/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$803,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,916
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$74,871
−HK$1,984/mo
Today · 4.125%
HK$76,855
baseline
▲ 0.50% · 4.625%
HK$80,906
+HK$4,051/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$153,710/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$803,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,270
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$86,891
−HK$2,663/mo
Today · 4.125%
HK$89,554
baseline
▲ 0.50% · 4.625%
HK$95,003
+HK$5,449/mo
Deposit HK$2.05M · loan HK$18.48M · min. income ≈ HK$179,108/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$803,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,749
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$96,263
−HK$2,551/mo
Today · 4.125%
HK$98,814
baseline
▲ 0.50% · 4.625%
HK$104,023
+HK$5,209/mo
Deposit HK$2.05M · loan HK$18.48M · min. income ≈ HK$197,628/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$803,121 · Scale 2, in force from 26 Feb 2026)