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$46,864
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,322
−HK$1,481/mo
Today · 4.125%
HK$49,803
baseline
▲ 0.50% · 4.625%
HK$52,833
+HK$3,030/mo
Deposit HK$10.28M · loan HK$10.28M · min. income ≈ HK$99,606/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$805,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,136
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$53,534
−HK$1,419/mo
Today · 4.125%
HK$54,953
baseline
▲ 0.50% · 4.625%
HK$57,849
+HK$2,896/mo
Deposit HK$10.28M · loan HK$10.28M · min. income ≈ HK$109,906/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$805,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,237
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$57,986
−HK$1,778/mo
Today · 4.125%
HK$59,764
baseline
▲ 0.50% · 4.625%
HK$63,400
+HK$3,636/mo
Deposit HK$8.22M · loan HK$12.33M · min. income ≈ HK$119,528/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$805,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,563
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$64,241
−HK$1,702/mo
Today · 4.125%
HK$65,943
baseline
▲ 0.50% · 4.625%
HK$69,419
+HK$3,476/mo
Deposit HK$8.22M · loan HK$12.33M · min. income ≈ HK$131,886/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$805,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,610
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$67,651
−HK$2,073/mo
Today · 4.125%
HK$69,724
baseline
▲ 0.50% · 4.625%
HK$73,967
+HK$4,243/mo
Deposit HK$6.17M · loan HK$14.39M · min. income ≈ HK$139,448/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$805,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,990
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$74,948
−HK$1,986/mo
Today · 4.125%
HK$76,934
baseline
▲ 0.50% · 4.625%
HK$80,989
+HK$4,055/mo
Deposit HK$6.17M · loan HK$14.39M · min. income ≈ HK$153,868/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$805,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,356
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$86,980
−HK$2,666/mo
Today · 4.125%
HK$89,646
baseline
▲ 0.50% · 4.625%
HK$95,100
+HK$5,454/mo
Deposit HK$2.06M · loan HK$18.50M · min. income ≈ HK$179,292/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$805,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,845
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$96,362
−HK$2,553/mo
Today · 4.125%
HK$98,915
baseline
▲ 0.50% · 4.625%
HK$104,129
+HK$5,214/mo
Deposit HK$2.06M · loan HK$18.50M · min. income ≈ HK$197,830/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$805,220 · Scale 2, in force from 26 Feb 2026)