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$46,836
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$48,293
−HK$1,480/mo
Today · 4.125%
HK$49,773
baseline
▲ 0.50% · 4.625%
HK$52,802
+HK$3,029/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$99,546/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$803,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,105
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$53,502
−HK$1,418/mo
Today · 4.125%
HK$54,920
baseline
▲ 0.50% · 4.625%
HK$57,815
+HK$2,895/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$109,840/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$803,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,203
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$57,952
−HK$1,776/mo
Today · 4.125%
HK$59,728
baseline
▲ 0.50% · 4.625%
HK$63,362
+HK$3,634/mo
Deposit HK$8.22M · loan HK$12.32M · min. income ≈ HK$119,456/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$803,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,526
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,203
−HK$1,701/mo
Today · 4.125%
HK$65,904
baseline
▲ 0.50% · 4.625%
HK$69,378
+HK$3,474/mo
Deposit HK$8.22M · loan HK$12.32M · min. income ≈ HK$131,808/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$803,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,571
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$67,610
−HK$2,072/mo
Today · 4.125%
HK$69,682
baseline
▲ 0.50% · 4.625%
HK$73,922
+HK$4,240/mo
Deposit HK$6.16M · loan HK$14.38M · min. income ≈ HK$139,364/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$803,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,947
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$74,903
−HK$1,985/mo
Today · 4.125%
HK$76,888
baseline
▲ 0.50% · 4.625%
HK$80,941
+HK$4,053/mo
Deposit HK$6.16M · loan HK$14.38M · min. income ≈ HK$153,776/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$803,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,305
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$86,927
−HK$2,665/mo
Today · 4.125%
HK$89,592
baseline
▲ 0.50% · 4.625%
HK$95,043
+HK$5,451/mo
Deposit HK$2.05M · loan HK$18.49M · min. income ≈ HK$179,184/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$803,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,789
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$96,304
−HK$2,552/mo
Today · 4.125%
HK$98,856
baseline
▲ 0.50% · 4.625%
HK$104,066
+HK$5,210/mo
Deposit HK$2.05M · loan HK$18.49M · min. income ≈ HK$197,712/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$803,986 · Scale 2, in force from 26 Feb 2026)