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$46,803
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$48,259
−HK$1,479/mo
Today · 4.125%
HK$49,738
baseline
▲ 0.50% · 4.625%
HK$52,765
+HK$3,027/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$99,476/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$802,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,068
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$53,465
−HK$1,416/mo
Today · 4.125%
HK$54,881
baseline
▲ 0.50% · 4.625%
HK$57,774
+HK$2,893/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$109,762/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$802,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,164
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,911
−HK$1,775/mo
Today · 4.125%
HK$59,686
baseline
▲ 0.50% · 4.625%
HK$63,318
+HK$3,632/mo
Deposit HK$8.21M · loan HK$12.32M · min. income ≈ HK$119,372/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$802,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,482
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,158
−HK$1,700/mo
Today · 4.125%
HK$65,858
baseline
▲ 0.50% · 4.625%
HK$69,329
+HK$3,471/mo
Deposit HK$8.21M · loan HK$12.32M · min. income ≈ HK$131,716/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$802,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,525
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$67,563
−HK$2,071/mo
Today · 4.125%
HK$69,634
baseline
▲ 0.50% · 4.625%
HK$73,871
+HK$4,237/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$139,268/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$802,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,896
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$74,851
−HK$1,983/mo
Today · 4.125%
HK$76,834
baseline
▲ 0.50% · 4.625%
HK$80,884
+HK$4,050/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$153,668/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$802,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,246
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$86,867
−HK$2,662/mo
Today · 4.125%
HK$89,529
baseline
▲ 0.50% · 4.625%
HK$94,977
+HK$5,448/mo
Deposit HK$2.05M · loan HK$18.47M · min. income ≈ HK$179,058/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$802,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,723
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$96,237
−HK$2,550/mo
Today · 4.125%
HK$98,787
baseline
▲ 0.50% · 4.625%
HK$103,994
+HK$5,207/mo
Deposit HK$2.05M · loan HK$18.47M · min. income ≈ HK$197,574/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$802,551 · Scale 2, in force from 26 Feb 2026)