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$46,826
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,282
−HK$1,480/mo
Today · 4.125%
HK$49,762
baseline
▲ 0.50% · 4.625%
HK$52,790
+HK$3,028/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$99,524/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$803,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,093
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,490
−HK$1,417/mo
Today · 4.125%
HK$54,907
baseline
▲ 0.50% · 4.625%
HK$57,802
+HK$2,895/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$109,814/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$803,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,191
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$57,939
−HK$1,775/mo
Today · 4.125%
HK$59,714
baseline
▲ 0.50% · 4.625%
HK$63,348
+HK$3,634/mo
Deposit HK$8.21M · loan HK$12.32M · min. income ≈ HK$119,428/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$803,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,512
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$64,188
−HK$1,701/mo
Today · 4.125%
HK$65,889
baseline
▲ 0.50% · 4.625%
HK$69,362
+HK$3,473/mo
Deposit HK$8.21M · loan HK$12.32M · min. income ≈ HK$131,778/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$803,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,556
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$67,595
−HK$2,072/mo
Today · 4.125%
HK$69,667
baseline
▲ 0.50% · 4.625%
HK$73,906
+HK$4,239/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$139,334/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$803,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,930
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$74,886
−HK$1,984/mo
Today · 4.125%
HK$76,870
baseline
▲ 0.50% · 4.625%
HK$80,922
+HK$4,052/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$153,740/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$803,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,286
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$86,908
−HK$2,664/mo
Today · 4.125%
HK$89,572
baseline
▲ 0.50% · 4.625%
HK$95,022
+HK$5,450/mo
Deposit HK$2.05M · loan HK$18.48M · min. income ≈ HK$179,144/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$803,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,767
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$96,282
−HK$2,551/mo
Today · 4.125%
HK$98,833
baseline
▲ 0.50% · 4.625%
HK$104,043
+HK$5,210/mo
Deposit HK$2.05M · loan HK$18.48M · min. income ≈ HK$197,666/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$803,523 · Scale 2, in force from 26 Feb 2026)