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$2,938/mo
▼ 0.25% · 3.875%
HK$48,293
−HK$1,481/mo
Today · 4.125%
HK$49,774
baseline
▲ 0.50% · 4.625%
HK$52,802
+HK$3,028/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$99,548/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$804,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,105
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$53,503
−HK$1,417/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$804,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,204
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$57,952
−HK$1,776/mo
Today · 4.125%
HK$59,728
baseline
▲ 0.50% · 4.625%
HK$63,363
+HK$3,635/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$804,001 · 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$804,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,571
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$67,611
−HK$2,072/mo
Today · 4.125%
HK$69,683
baseline
▲ 0.50% · 4.625%
HK$73,923
+HK$4,240/mo
Deposit HK$6.16M · loan HK$14.38M · min. income ≈ HK$139,366/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$804,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,947
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$74,904
−HK$1,984/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$804,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,306
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$86,928
−HK$2,664/mo
Today · 4.125%
HK$89,592
baseline
▲ 0.50% · 4.625%
HK$95,044
+HK$5,452/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$804,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,789
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$96,305
−HK$2,551/mo
Today · 4.125%
HK$98,856
baseline
▲ 0.50% · 4.625%
HK$104,067
+HK$5,211/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$804,001 · Scale 2, in force from 26 Feb 2026)