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$46,831
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$48,288
−HK$1,480/mo
Today · 4.125%
HK$49,768
baseline
▲ 0.50% · 4.625%
HK$52,796
+HK$3,028/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$99,536/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$803,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,099
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$53,497
−HK$1,417/mo
Today · 4.125%
HK$54,914
baseline
▲ 0.50% · 4.625%
HK$57,809
+HK$2,895/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$109,828/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$803,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,198
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$57,946
−HK$1,776/mo
Today · 4.125%
HK$59,722
baseline
▲ 0.50% · 4.625%
HK$63,356
+HK$3,634/mo
Deposit HK$8.22M · loan HK$12.32M · min. income ≈ HK$119,444/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$803,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,519
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,196
−HK$1,701/mo
Today · 4.125%
HK$65,897
baseline
▲ 0.50% · 4.625%
HK$69,370
+HK$3,473/mo
Deposit HK$8.22M · loan HK$12.32M · min. income ≈ HK$131,794/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$803,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,564
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$67,603
−HK$2,072/mo
Today · 4.125%
HK$69,675
baseline
▲ 0.50% · 4.625%
HK$73,915
+HK$4,240/mo
Deposit HK$6.16M · loan HK$14.38M · min. income ≈ HK$139,350/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$803,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,939
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$74,895
−HK$1,985/mo
Today · 4.125%
HK$76,880
baseline
▲ 0.50% · 4.625%
HK$80,932
+HK$4,052/mo
Deposit HK$6.16M · loan HK$14.38M · min. income ≈ HK$153,760/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$803,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,296
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$86,918
−HK$2,664/mo
Today · 4.125%
HK$89,582
baseline
▲ 0.50% · 4.625%
HK$95,033
+HK$5,451/mo
Deposit HK$2.05M · loan HK$18.48M · min. income ≈ HK$179,164/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$803,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,779
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$96,294
−HK$2,551/mo
Today · 4.125%
HK$98,845
baseline
▲ 0.50% · 4.625%
HK$104,056
+HK$5,211/mo
Deposit HK$2.05M · loan HK$18.48M · min. income ≈ HK$197,690/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$803,773 · Scale 2, in force from 26 Feb 2026)