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$46,811
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$48,267
−HK$1,479/mo
Today · 4.125%
HK$49,746
baseline
▲ 0.50% · 4.625%
HK$52,773
+HK$3,027/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$99,492/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$802,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,076
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,473
−HK$1,417/mo
Today · 4.125%
HK$54,890
baseline
▲ 0.50% · 4.625%
HK$57,783
+HK$2,893/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$109,780/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$802,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,173
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,920
−HK$1,775/mo
Today · 4.125%
HK$59,695
baseline
▲ 0.50% · 4.625%
HK$63,327
+HK$3,632/mo
Deposit HK$8.21M · loan HK$12.32M · min. income ≈ HK$119,390/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$802,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,492
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,168
−HK$1,700/mo
Today · 4.125%
HK$65,868
baseline
▲ 0.50% · 4.625%
HK$69,340
+HK$3,472/mo
Deposit HK$8.21M · loan HK$12.32M · min. income ≈ HK$131,736/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$802,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,535
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$67,573
−HK$2,071/mo
Today · 4.125%
HK$69,644
baseline
▲ 0.50% · 4.625%
HK$73,882
+HK$4,238/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$139,288/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$802,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,907
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$74,862
−HK$1,984/mo
Today · 4.125%
HK$76,846
baseline
▲ 0.50% · 4.625%
HK$80,896
+HK$4,050/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$153,692/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$802,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,259
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$86,880
−HK$2,663/mo
Today · 4.125%
HK$89,543
baseline
▲ 0.50% · 4.625%
HK$94,991
+HK$5,448/mo
Deposit HK$2.05M · loan HK$18.48M · min. income ≈ HK$179,086/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$802,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,737
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$96,251
−HK$2,551/mo
Today · 4.125%
HK$98,802
baseline
▲ 0.50% · 4.625%
HK$104,010
+HK$5,208/mo
Deposit HK$2.05M · loan HK$18.48M · min. income ≈ HK$197,604/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$802,864 · Scale 2, in force from 26 Feb 2026)