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$46,793
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$48,249
−HK$1,479/mo
Today · 4.125%
HK$49,728
baseline
▲ 0.50% · 4.625%
HK$52,753
+HK$3,025/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$99,456/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$802,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,057
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$53,453
−HK$1,416/mo
Today · 4.125%
HK$54,869
baseline
▲ 0.50% · 4.625%
HK$57,762
+HK$2,893/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$109,738/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$802,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,152
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$57,899
−HK$1,774/mo
Today · 4.125%
HK$59,673
baseline
▲ 0.50% · 4.625%
HK$63,304
+HK$3,631/mo
Deposit HK$8.21M · loan HK$12.31M · min. income ≈ HK$119,346/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$802,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,468
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$64,144
−HK$1,699/mo
Today · 4.125%
HK$65,843
baseline
▲ 0.50% · 4.625%
HK$69,314
+HK$3,471/mo
Deposit HK$8.21M · loan HK$12.31M · min. income ≈ HK$131,686/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$802,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,511
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$67,548
−HK$2,071/mo
Today · 4.125%
HK$69,619
baseline
▲ 0.50% · 4.625%
HK$73,855
+HK$4,236/mo
Deposit HK$6.16M · loan HK$14.36M · min. income ≈ HK$139,238/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$802,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,880
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$74,834
−HK$1,983/mo
Today · 4.125%
HK$76,817
baseline
▲ 0.50% · 4.625%
HK$80,866
+HK$4,049/mo
Deposit HK$6.16M · loan HK$14.36M · min. income ≈ HK$153,634/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$802,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,228
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$86,848
−HK$2,662/mo
Today · 4.125%
HK$89,510
baseline
▲ 0.50% · 4.625%
HK$94,956
+HK$5,446/mo
Deposit HK$2.05M · loan HK$18.47M · min. income ≈ HK$179,020/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$802,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,703
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$96,216
−HK$2,549/mo
Today · 4.125%
HK$98,765
baseline
▲ 0.50% · 4.625%
HK$103,971
+HK$5,206/mo
Deposit HK$2.05M · loan HK$18.47M · min. income ≈ HK$197,530/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$802,104 · Scale 2, in force from 26 Feb 2026)