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$46,691
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,143
−HK$1,475/mo
Today · 4.125%
HK$49,618
baseline
▲ 0.50% · 4.625%
HK$52,638
+HK$3,020/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$99,236/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$797,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,943
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,336
−HK$1,413/mo
Today · 4.125%
HK$54,749
baseline
▲ 0.50% · 4.625%
HK$57,635
+HK$2,886/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$109,498/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$797,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,029
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$57,771
−HK$1,771/mo
Today · 4.125%
HK$59,542
baseline
▲ 0.50% · 4.625%
HK$63,165
+HK$3,623/mo
Deposit HK$8.19M · loan HK$12.29M · min. income ≈ HK$119,084/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$797,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,331
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$64,003
−HK$1,696/mo
Today · 4.125%
HK$65,699
baseline
▲ 0.50% · 4.625%
HK$69,162
+HK$3,463/mo
Deposit HK$8.19M · loan HK$12.29M · min. income ≈ HK$131,398/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$797,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,367
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$67,400
−HK$2,066/mo
Today · 4.125%
HK$69,466
baseline
▲ 0.50% · 4.625%
HK$73,693
+HK$4,227/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$138,932/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$797,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,720
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$74,670
−HK$1,979/mo
Today · 4.125%
HK$76,649
baseline
▲ 0.50% · 4.625%
HK$80,689
+HK$4,040/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$153,298/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$797,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,043
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$86,657
−HK$2,656/mo
Today · 4.125%
HK$89,313
baseline
▲ 0.50% · 4.625%
HK$94,748
+HK$5,435/mo
Deposit HK$2.05M · loan HK$18.43M · min. income ≈ HK$178,626/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$797,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,497
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$96,005
−HK$2,543/mo
Today · 4.125%
HK$98,548
baseline
▲ 0.50% · 4.625%
HK$103,743
+HK$5,195/mo
Deposit HK$2.05M · loan HK$18.43M · min. income ≈ HK$197,096/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$797,601 · Scale 2, in force from 26 Feb 2026)