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$46,849
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$48,306
−HK$1,481/mo
Today · 4.125%
HK$49,787
baseline
▲ 0.50% · 4.625%
HK$52,816
+HK$3,029/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$99,574/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$804,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,119
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$53,517
−HK$1,418/mo
Today · 4.125%
HK$54,935
baseline
▲ 0.50% · 4.625%
HK$57,831
+HK$2,896/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$109,870/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$804,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,219
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$57,968
−HK$1,776/mo
Today · 4.125%
HK$59,744
baseline
▲ 0.50% · 4.625%
HK$63,380
+HK$3,636/mo
Deposit HK$8.22M · loan HK$12.33M · min. income ≈ HK$119,488/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$804,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,543
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$64,220
−HK$1,702/mo
Today · 4.125%
HK$65,922
baseline
▲ 0.50% · 4.625%
HK$69,397
+HK$3,475/mo
Deposit HK$8.22M · loan HK$12.33M · min. income ≈ HK$131,844/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$804,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,589
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$67,629
−HK$2,073/mo
Today · 4.125%
HK$69,702
baseline
▲ 0.50% · 4.625%
HK$73,943
+HK$4,241/mo
Deposit HK$6.16M · loan HK$14.38M · min. income ≈ HK$139,404/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$804,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,967
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$74,924
−HK$1,985/mo
Today · 4.125%
HK$76,909
baseline
▲ 0.50% · 4.625%
HK$80,963
+HK$4,054/mo
Deposit HK$6.16M · loan HK$14.38M · min. income ≈ HK$153,818/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$804,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,329
−HK$5,288/mo
▼ 0.25% · 3.875%
HK$86,952
−HK$2,665/mo
Today · 4.125%
HK$89,617
baseline
▲ 0.50% · 4.625%
HK$95,070
+HK$5,453/mo
Deposit HK$2.05M · loan HK$18.49M · min. income ≈ HK$179,234/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$804,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,815
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$96,331
−HK$2,552/mo
Today · 4.125%
HK$98,883
baseline
▲ 0.50% · 4.625%
HK$104,095
+HK$5,212/mo
Deposit HK$2.05M · loan HK$18.49M · min. income ≈ HK$197,766/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$804,559 · Scale 2, in force from 26 Feb 2026)