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$46,661
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$48,112
−HK$1,475/mo
Today · 4.125%
HK$49,587
baseline
▲ 0.50% · 4.625%
HK$52,604
+HK$3,017/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$99,174/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$796,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,910
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$53,302
−HK$1,412/mo
Today · 4.125%
HK$54,714
baseline
▲ 0.50% · 4.625%
HK$57,598
+HK$2,884/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$109,428/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$796,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,993
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,735
−HK$1,769/mo
Today · 4.125%
HK$59,504
baseline
▲ 0.50% · 4.625%
HK$63,125
+HK$3,621/mo
Deposit HK$8.19M · loan HK$12.28M · min. income ≈ HK$119,008/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$796,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,292
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,962
−HK$1,695/mo
Today · 4.125%
HK$65,657
baseline
▲ 0.50% · 4.625%
HK$69,118
+HK$3,461/mo
Deposit HK$8.19M · loan HK$12.28M · min. income ≈ HK$131,314/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$796,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,325
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$67,357
−HK$2,065/mo
Today · 4.125%
HK$69,422
baseline
▲ 0.50% · 4.625%
HK$73,646
+HK$4,224/mo
Deposit HK$6.14M · loan HK$14.32M · min. income ≈ HK$138,844/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$796,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,673
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$74,623
−HK$1,977/mo
Today · 4.125%
HK$76,600
baseline
▲ 0.50% · 4.625%
HK$80,637
+HK$4,037/mo
Deposit HK$6.14M · loan HK$14.32M · min. income ≈ HK$153,200/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$796,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,989
−HK$5,267/mo
▼ 0.25% · 3.875%
HK$86,602
−HK$2,654/mo
Today · 4.125%
HK$89,256
baseline
▲ 0.50% · 4.625%
HK$94,687
+HK$5,431/mo
Deposit HK$2.05M · loan HK$18.42M · min. income ≈ HK$178,512/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$796,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,437
−HK$5,048/mo
▼ 0.25% · 3.875%
HK$95,943
−HK$2,542/mo
Today · 4.125%
HK$98,485
baseline
▲ 0.50% · 4.625%
HK$103,677
+HK$5,192/mo
Deposit HK$2.05M · loan HK$18.42M · min. income ≈ HK$196,970/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$796,294 · Scale 2, in force from 26 Feb 2026)