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$46,835
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,291
−HK$1,480/mo
Today · 4.125%
HK$49,771
baseline
▲ 0.50% · 4.625%
HK$52,800
+HK$3,029/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$99,542/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$803,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,103
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$53,500
−HK$1,418/mo
Today · 4.125%
HK$54,918
baseline
▲ 0.50% · 4.625%
HK$57,813
+HK$2,895/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$109,836/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$803,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,201
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$57,950
−HK$1,776/mo
Today · 4.125%
HK$59,726
baseline
▲ 0.50% · 4.625%
HK$63,360
+HK$3,634/mo
Deposit HK$8.22M · loan HK$12.32M · min. income ≈ HK$119,452/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$803,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,524
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,200
−HK$1,702/mo
Today · 4.125%
HK$65,902
baseline
▲ 0.50% · 4.625%
HK$69,375
+HK$3,473/mo
Deposit HK$8.22M · loan HK$12.32M · min. income ≈ HK$131,804/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$803,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,568
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$67,608
−HK$2,072/mo
Today · 4.125%
HK$69,680
baseline
▲ 0.50% · 4.625%
HK$73,920
+HK$4,240/mo
Deposit HK$6.16M · loan HK$14.38M · min. income ≈ HK$139,360/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$803,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,944
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$74,900
−HK$1,985/mo
Today · 4.125%
HK$76,885
baseline
▲ 0.50% · 4.625%
HK$80,938
+HK$4,053/mo
Deposit HK$6.16M · loan HK$14.38M · min. income ≈ HK$153,770/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$803,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,302
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$86,924
−HK$2,665/mo
Today · 4.125%
HK$89,589
baseline
▲ 0.50% · 4.625%
HK$95,040
+HK$5,451/mo
Deposit HK$2.05M · loan HK$18.49M · min. income ≈ HK$179,178/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$803,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,785
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$96,301
−HK$2,551/mo
Today · 4.125%
HK$98,852
baseline
▲ 0.50% · 4.625%
HK$104,063
+HK$5,211/mo
Deposit HK$2.05M · loan HK$18.49M · min. income ≈ HK$197,704/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$803,917 · Scale 2, in force from 26 Feb 2026)