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$46,688
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,140
−HK$1,475/mo
Today · 4.125%
HK$49,615
baseline
▲ 0.50% · 4.625%
HK$52,634
+HK$3,019/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$99,230/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$797,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,939
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$53,332
−HK$1,414/mo
Today · 4.125%
HK$54,746
baseline
▲ 0.50% · 4.625%
HK$57,631
+HK$2,885/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$109,492/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$797,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,025
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$57,768
−HK$1,770/mo
Today · 4.125%
HK$59,538
baseline
▲ 0.50% · 4.625%
HK$63,161
+HK$3,623/mo
Deposit HK$8.19M · loan HK$12.28M · min. income ≈ HK$119,076/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$797,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,327
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$63,999
−HK$1,696/mo
Today · 4.125%
HK$65,695
baseline
▲ 0.50% · 4.625%
HK$69,158
+HK$3,463/mo
Deposit HK$8.19M · loan HK$12.28M · min. income ≈ HK$131,390/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$797,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,363
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$67,396
−HK$2,065/mo
Today · 4.125%
HK$69,461
baseline
▲ 0.50% · 4.625%
HK$73,688
+HK$4,227/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$138,922/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$797,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,715
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$74,665
−HK$1,979/mo
Today · 4.125%
HK$76,644
baseline
▲ 0.50% · 4.625%
HK$80,684
+HK$4,040/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$153,288/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$797,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,038
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$86,652
−HK$2,656/mo
Today · 4.125%
HK$89,308
baseline
▲ 0.50% · 4.625%
HK$94,742
+HK$5,434/mo
Deposit HK$2.05M · loan HK$18.43M · min. income ≈ HK$178,616/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$797,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,491
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$95,998
−HK$2,544/mo
Today · 4.125%
HK$98,542
baseline
▲ 0.50% · 4.625%
HK$103,736
+HK$5,194/mo
Deposit HK$2.05M · loan HK$18.43M · min. income ≈ HK$197,084/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$797,472 · Scale 2, in force from 26 Feb 2026)