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$46,787
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$48,243
−HK$1,478/mo
Today · 4.125%
HK$49,721
baseline
▲ 0.50% · 4.625%
HK$52,747
+HK$3,026/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$99,442/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$801,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,050
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$53,446
−HK$1,417/mo
Today · 4.125%
HK$54,863
baseline
▲ 0.50% · 4.625%
HK$57,754
+HK$2,891/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$109,726/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$801,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,145
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$57,891
−HK$1,775/mo
Today · 4.125%
HK$59,666
baseline
▲ 0.50% · 4.625%
HK$63,296
+HK$3,630/mo
Deposit HK$8.21M · loan HK$12.31M · min. income ≈ HK$119,332/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$801,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,461
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$64,136
−HK$1,699/mo
Today · 4.125%
HK$65,835
baseline
▲ 0.50% · 4.625%
HK$69,305
+HK$3,470/mo
Deposit HK$8.21M · loan HK$12.31M · min. income ≈ HK$131,670/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$801,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,502
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$67,540
−HK$2,070/mo
Today · 4.125%
HK$69,610
baseline
▲ 0.50% · 4.625%
HK$73,845
+HK$4,235/mo
Deposit HK$6.16M · loan HK$14.36M · min. income ≈ HK$139,220/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$801,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,871
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$74,825
−HK$1,983/mo
Today · 4.125%
HK$76,808
baseline
▲ 0.50% · 4.625%
HK$80,856
+HK$4,048/mo
Deposit HK$6.16M · loan HK$14.36M · min. income ≈ HK$153,616/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$801,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,217
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$86,837
−HK$2,661/mo
Today · 4.125%
HK$89,498
baseline
▲ 0.50% · 4.625%
HK$94,944
+HK$5,446/mo
Deposit HK$2.05M · loan HK$18.47M · min. income ≈ HK$178,996/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$801,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,691
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$96,204
−HK$2,549/mo
Today · 4.125%
HK$98,753
baseline
▲ 0.50% · 4.625%
HK$103,958
+HK$5,205/mo
Deposit HK$2.05M · loan HK$18.47M · min. income ≈ HK$197,506/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$801,845 · Scale 2, in force from 26 Feb 2026)