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$46,818
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$48,274
−HK$1,479/mo
Today · 4.125%
HK$49,753
baseline
▲ 0.50% · 4.625%
HK$52,781
+HK$3,028/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$99,506/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$803,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,084
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,481
−HK$1,417/mo
Today · 4.125%
HK$54,898
baseline
▲ 0.50% · 4.625%
HK$57,792
+HK$2,894/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$109,796/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$803,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,181
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$57,929
−HK$1,775/mo
Today · 4.125%
HK$59,704
baseline
▲ 0.50% · 4.625%
HK$63,337
+HK$3,633/mo
Deposit HK$8.21M · loan HK$12.32M · min. income ≈ HK$119,408/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$803,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,501
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$64,177
−HK$1,701/mo
Today · 4.125%
HK$65,878
baseline
▲ 0.50% · 4.625%
HK$69,350
+HK$3,472/mo
Deposit HK$8.21M · loan HK$12.32M · min. income ≈ HK$131,756/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$803,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,545
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$67,583
−HK$2,072/mo
Today · 4.125%
HK$69,655
baseline
▲ 0.50% · 4.625%
HK$73,893
+HK$4,238/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$139,310/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$803,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,918
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$74,873
−HK$1,984/mo
Today · 4.125%
HK$76,857
baseline
▲ 0.50% · 4.625%
HK$80,908
+HK$4,051/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$153,714/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$803,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,272
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$86,893
−HK$2,663/mo
Today · 4.125%
HK$89,556
baseline
▲ 0.50% · 4.625%
HK$95,005
+HK$5,449/mo
Deposit HK$2.05M · loan HK$18.48M · min. income ≈ HK$179,112/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$803,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,751
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$96,266
−HK$2,550/mo
Today · 4.125%
HK$98,816
baseline
▲ 0.50% · 4.625%
HK$104,025
+HK$5,209/mo
Deposit HK$2.05M · loan HK$18.48M · min. income ≈ HK$197,632/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$803,169 · Scale 2, in force from 26 Feb 2026)