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$46,850
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$48,307
−HK$1,481/mo
Today · 4.125%
HK$49,788
baseline
▲ 0.50% · 4.625%
HK$52,817
+HK$3,029/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$99,576/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$804,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,120
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$53,518
−HK$1,418/mo
Today · 4.125%
HK$54,936
baseline
▲ 0.50% · 4.625%
HK$57,831
+HK$2,895/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$109,872/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$804,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,220
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$57,968
−HK$1,777/mo
Today · 4.125%
HK$59,745
baseline
▲ 0.50% · 4.625%
HK$63,380
+HK$3,635/mo
Deposit HK$8.22M · loan HK$12.33M · min. income ≈ HK$119,490/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$804,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,544
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$64,221
−HK$1,702/mo
Today · 4.125%
HK$65,923
baseline
▲ 0.50% · 4.625%
HK$69,398
+HK$3,475/mo
Deposit HK$8.22M · loan HK$12.33M · min. income ≈ HK$131,846/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$804,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,590
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$67,630
−HK$2,073/mo
Today · 4.125%
HK$69,703
baseline
▲ 0.50% · 4.625%
HK$73,944
+HK$4,241/mo
Deposit HK$6.16M · loan HK$14.38M · min. income ≈ HK$139,406/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$804,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,968
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$74,925
−HK$1,985/mo
Today · 4.125%
HK$76,910
baseline
▲ 0.50% · 4.625%
HK$80,964
+HK$4,054/mo
Deposit HK$6.16M · loan HK$14.38M · min. income ≈ HK$153,820/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$804,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,329
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$86,953
−HK$2,665/mo
Today · 4.125%
HK$89,618
baseline
▲ 0.50% · 4.625%
HK$95,071
+HK$5,453/mo
Deposit HK$2.05M · loan HK$18.49M · min. income ≈ HK$179,236/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$804,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,816
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$96,332
−HK$2,552/mo
Today · 4.125%
HK$98,884
baseline
▲ 0.50% · 4.625%
HK$104,097
+HK$5,213/mo
Deposit HK$2.05M · loan HK$18.49M · min. income ≈ HK$197,768/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$804,579 · Scale 2, in force from 26 Feb 2026)