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$46,941
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$48,401
−HK$1,483/mo
Today · 4.125%
HK$49,884
baseline
▲ 0.50% · 4.625%
HK$52,920
+HK$3,036/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$99,768/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$808,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,221
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,622
−HK$1,420/mo
Today · 4.125%
HK$55,042
baseline
▲ 0.50% · 4.625%
HK$57,944
+HK$2,902/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$110,084/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$808,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,329
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$58,081
−HK$1,780/mo
Today · 4.125%
HK$59,861
baseline
▲ 0.50% · 4.625%
HK$63,504
+HK$3,643/mo
Deposit HK$8.23M · loan HK$12.35M · min. income ≈ HK$119,722/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$808,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,665
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,346
−HK$1,705/mo
Today · 4.125%
HK$66,051
baseline
▲ 0.50% · 4.625%
HK$69,533
+HK$3,482/mo
Deposit HK$8.23M · loan HK$12.35M · min. income ≈ HK$132,102/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$808,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,717
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$67,761
−HK$2,077/mo
Today · 4.125%
HK$69,838
baseline
▲ 0.50% · 4.625%
HK$74,088
+HK$4,250/mo
Deposit HK$6.18M · loan HK$14.41M · min. income ≈ HK$139,676/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$808,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,110
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$75,070
−HK$1,989/mo
Today · 4.125%
HK$77,059
baseline
▲ 0.50% · 4.625%
HK$81,121
+HK$4,062/mo
Deposit HK$6.18M · loan HK$14.41M · min. income ≈ HK$154,118/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$808,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,493
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$87,122
−HK$2,670/mo
Today · 4.125%
HK$89,792
baseline
▲ 0.50% · 4.625%
HK$95,255
+HK$5,463/mo
Deposit HK$2.06M · loan HK$18.53M · min. income ≈ HK$179,584/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$808,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,998
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$96,519
−HK$2,557/mo
Today · 4.125%
HK$99,076
baseline
▲ 0.50% · 4.625%
HK$104,299
+HK$5,223/mo
Deposit HK$2.06M · loan HK$18.53M · min. income ≈ HK$198,152/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$808,572 · Scale 2, in force from 26 Feb 2026)