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$46,798
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$48,253
−HK$1,479/mo
Today · 4.125%
HK$49,732
baseline
▲ 0.50% · 4.625%
HK$52,759
+HK$3,027/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$99,464/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$802,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,062
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$53,458
−HK$1,417/mo
Today · 4.125%
HK$54,875
baseline
▲ 0.50% · 4.625%
HK$57,767
+HK$2,892/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$109,750/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$802,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,157
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,904
−HK$1,775/mo
Today · 4.125%
HK$59,679
baseline
▲ 0.50% · 4.625%
HK$63,310
+HK$3,631/mo
Deposit HK$8.21M · loan HK$12.31M · min. income ≈ HK$119,358/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$802,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,474
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,150
−HK$1,700/mo
Today · 4.125%
HK$65,850
baseline
▲ 0.50% · 4.625%
HK$69,321
+HK$3,471/mo
Deposit HK$8.21M · loan HK$12.31M · min. income ≈ HK$131,700/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$802,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,517
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$67,555
−HK$2,070/mo
Today · 4.125%
HK$69,625
baseline
▲ 0.50% · 4.625%
HK$73,862
+HK$4,237/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$139,250/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$802,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,887
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$74,842
−HK$1,983/mo
Today · 4.125%
HK$76,825
baseline
▲ 0.50% · 4.625%
HK$80,874
+HK$4,049/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$153,650/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$802,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,236
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$86,856
−HK$2,662/mo
Today · 4.125%
HK$89,518
baseline
▲ 0.50% · 4.625%
HK$94,965
+HK$5,447/mo
Deposit HK$2.05M · loan HK$18.47M · min. income ≈ HK$179,036/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$802,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,712
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$96,225
−HK$2,550/mo
Today · 4.125%
HK$98,775
baseline
▲ 0.50% · 4.625%
HK$103,981
+HK$5,206/mo
Deposit HK$2.05M · loan HK$18.47M · min. income ≈ HK$197,550/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$802,304 · Scale 2, in force from 26 Feb 2026)