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$46,822
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,279
−HK$1,479/mo
Today · 4.125%
HK$49,758
baseline
▲ 0.50% · 4.625%
HK$52,786
+HK$3,028/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$99,516/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$803,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,089
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,486
−HK$1,417/mo
Today · 4.125%
HK$54,903
baseline
▲ 0.50% · 4.625%
HK$57,797
+HK$2,894/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$109,806/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$803,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,187
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$57,934
−HK$1,776/mo
Today · 4.125%
HK$59,710
baseline
▲ 0.50% · 4.625%
HK$63,343
+HK$3,633/mo
Deposit HK$8.21M · loan HK$12.32M · min. income ≈ HK$119,420/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$803,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,507
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$64,183
−HK$1,701/mo
Today · 4.125%
HK$65,884
baseline
▲ 0.50% · 4.625%
HK$69,357
+HK$3,473/mo
Deposit HK$8.21M · loan HK$12.32M · min. income ≈ HK$131,768/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$803,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,551
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$67,590
−HK$2,072/mo
Today · 4.125%
HK$69,662
baseline
▲ 0.50% · 4.625%
HK$73,900
+HK$4,238/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$139,324/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$803,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,925
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$74,881
−HK$1,984/mo
Today · 4.125%
HK$76,865
baseline
▲ 0.50% · 4.625%
HK$80,916
+HK$4,051/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$153,730/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$803,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,280
−HK$5,285/mo
▼ 0.25% · 3.875%
HK$86,901
−HK$2,664/mo
Today · 4.125%
HK$89,565
baseline
▲ 0.50% · 4.625%
HK$95,015
+HK$5,450/mo
Deposit HK$2.05M · loan HK$18.48M · min. income ≈ HK$179,130/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$803,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,761
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$96,275
−HK$2,551/mo
Today · 4.125%
HK$98,826
baseline
▲ 0.50% · 4.625%
HK$104,035
+HK$5,209/mo
Deposit HK$2.05M · loan HK$18.48M · min. income ≈ HK$197,652/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$803,373 · Scale 2, in force from 26 Feb 2026)