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$46,824
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,281
−HK$1,479/mo
Today · 4.125%
HK$49,760
baseline
▲ 0.50% · 4.625%
HK$52,788
+HK$3,028/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$99,520/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$803,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,091
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$53,488
−HK$1,418/mo
Today · 4.125%
HK$54,906
baseline
▲ 0.50% · 4.625%
HK$57,800
+HK$2,894/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$109,812/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$803,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,189
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$57,937
−HK$1,775/mo
Today · 4.125%
HK$59,712
baseline
▲ 0.50% · 4.625%
HK$63,346
+HK$3,634/mo
Deposit HK$8.21M · loan HK$12.32M · min. income ≈ HK$119,424/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$803,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,510
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$64,186
−HK$1,701/mo
Today · 4.125%
HK$65,887
baseline
▲ 0.50% · 4.625%
HK$69,360
+HK$3,473/mo
Deposit HK$8.21M · loan HK$12.32M · min. income ≈ HK$131,774/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$803,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,554
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$67,593
−HK$2,072/mo
Today · 4.125%
HK$69,665
baseline
▲ 0.50% · 4.625%
HK$73,904
+HK$4,239/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$139,330/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$803,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,928
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$74,884
−HK$1,984/mo
Today · 4.125%
HK$76,868
baseline
▲ 0.50% · 4.625%
HK$80,920
+HK$4,052/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$153,736/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$803,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,283
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$86,905
−HK$2,664/mo
Today · 4.125%
HK$89,569
baseline
▲ 0.50% · 4.625%
HK$95,019
+HK$5,450/mo
Deposit HK$2.05M · loan HK$18.48M · min. income ≈ HK$179,138/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$803,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,764
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$96,279
−HK$2,551/mo
Today · 4.125%
HK$98,830
baseline
▲ 0.50% · 4.625%
HK$104,040
+HK$5,210/mo
Deposit HK$2.05M · loan HK$18.48M · min. income ≈ HK$197,660/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$803,459 · Scale 2, in force from 26 Feb 2026)