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$46,820
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,276
−HK$1,480/mo
Today · 4.125%
HK$49,756
baseline
▲ 0.50% · 4.625%
HK$52,783
+HK$3,027/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$99,512/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$803,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,086
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,483
−HK$1,417/mo
Today · 4.125%
HK$54,900
baseline
▲ 0.50% · 4.625%
HK$57,794
+HK$2,894/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$109,800/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$803,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,183
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$57,931
−HK$1,776/mo
Today · 4.125%
HK$59,707
baseline
▲ 0.50% · 4.625%
HK$63,340
+HK$3,633/mo
Deposit HK$8.21M · loan HK$12.32M · min. income ≈ HK$119,414/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$803,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,504
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,180
−HK$1,700/mo
Today · 4.125%
HK$65,880
baseline
▲ 0.50% · 4.625%
HK$69,353
+HK$3,473/mo
Deposit HK$8.21M · loan HK$12.32M · min. income ≈ HK$131,760/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$803,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,547
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$67,586
−HK$2,072/mo
Today · 4.125%
HK$69,658
baseline
▲ 0.50% · 4.625%
HK$73,896
+HK$4,238/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$139,316/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$803,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,921
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$74,877
−HK$1,983/mo
Today · 4.125%
HK$76,860
baseline
▲ 0.50% · 4.625%
HK$80,912
+HK$4,052/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$153,720/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$803,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,275
−HK$5,285/mo
▼ 0.25% · 3.875%
HK$86,897
−HK$2,663/mo
Today · 4.125%
HK$89,560
baseline
▲ 0.50% · 4.625%
HK$95,010
+HK$5,450/mo
Deposit HK$2.05M · loan HK$18.48M · min. income ≈ HK$179,120/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$803,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,755
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$96,270
−HK$2,551/mo
Today · 4.125%
HK$98,821
baseline
▲ 0.50% · 4.625%
HK$104,030
+HK$5,209/mo
Deposit HK$2.05M · loan HK$18.48M · min. income ≈ HK$197,642/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$803,259 · Scale 2, in force from 26 Feb 2026)