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$46,825
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,281
−HK$1,480/mo
Today · 4.125%
HK$49,761
baseline
▲ 0.50% · 4.625%
HK$52,789
+HK$3,028/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$99,522/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$803,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,092
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,489
−HK$1,417/mo
Today · 4.125%
HK$54,906
baseline
▲ 0.50% · 4.625%
HK$57,801
+HK$2,895/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$109,812/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$803,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,190
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$57,937
−HK$1,776/mo
Today · 4.125%
HK$59,713
baseline
▲ 0.50% · 4.625%
HK$63,347
+HK$3,634/mo
Deposit HK$8.21M · loan HK$12.32M · min. income ≈ HK$119,426/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$803,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,510
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,187
−HK$1,701/mo
Today · 4.125%
HK$65,888
baseline
▲ 0.50% · 4.625%
HK$69,361
+HK$3,473/mo
Deposit HK$8.21M · loan HK$12.32M · min. income ≈ HK$131,776/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$803,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,555
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$67,594
−HK$2,071/mo
Today · 4.125%
HK$69,665
baseline
▲ 0.50% · 4.625%
HK$73,904
+HK$4,239/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$139,330/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$803,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,929
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$74,885
−HK$1,984/mo
Today · 4.125%
HK$76,869
baseline
▲ 0.50% · 4.625%
HK$80,921
+HK$4,052/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$153,738/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$803,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,284
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$86,906
−HK$2,664/mo
Today · 4.125%
HK$89,570
baseline
▲ 0.50% · 4.625%
HK$95,020
+HK$5,450/mo
Deposit HK$2.05M · loan HK$18.48M · min. income ≈ HK$179,140/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$803,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,766
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$96,280
−HK$2,551/mo
Today · 4.125%
HK$98,831
baseline
▲ 0.50% · 4.625%
HK$104,041
+HK$5,210/mo
Deposit HK$2.05M · loan HK$18.48M · min. income ≈ HK$197,662/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$803,484 · Scale 2, in force from 26 Feb 2026)