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$46,949
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,410
−HK$1,484/mo
Today · 4.125%
HK$49,894
baseline
▲ 0.50% · 4.625%
HK$52,929
+HK$3,035/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$99,788/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$808,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,231
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,632
−HK$1,421/mo
Today · 4.125%
HK$55,053
baseline
▲ 0.50% · 4.625%
HK$57,954
+HK$2,901/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$110,106/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$808,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,339
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,092
−HK$1,780/mo
Today · 4.125%
HK$59,872
baseline
▲ 0.50% · 4.625%
HK$63,515
+HK$3,643/mo
Deposit HK$8.24M · loan HK$12.35M · min. income ≈ HK$119,744/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$808,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,677
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,358
−HK$1,705/mo
Today · 4.125%
HK$66,063
baseline
▲ 0.50% · 4.625%
HK$69,545
+HK$3,482/mo
Deposit HK$8.24M · loan HK$12.35M · min. income ≈ HK$132,126/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$808,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,729
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$67,774
−HK$2,077/mo
Today · 4.125%
HK$69,851
baseline
▲ 0.50% · 4.625%
HK$74,101
+HK$4,250/mo
Deposit HK$6.18M · loan HK$14.41M · min. income ≈ HK$139,702/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$808,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,123
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$75,084
−HK$1,990/mo
Today · 4.125%
HK$77,074
baseline
▲ 0.50% · 4.625%
HK$81,136
+HK$4,062/mo
Deposit HK$6.18M · loan HK$14.41M · min. income ≈ HK$154,148/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$808,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,509
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$87,138
−HK$2,670/mo
Today · 4.125%
HK$89,808
baseline
▲ 0.50% · 4.625%
HK$95,273
+HK$5,465/mo
Deposit HK$2.06M · loan HK$18.53M · min. income ≈ HK$179,616/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$808,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,015
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$96,537
−HK$2,558/mo
Today · 4.125%
HK$99,095
baseline
▲ 0.50% · 4.625%
HK$104,318
+HK$5,223/mo
Deposit HK$2.06M · loan HK$18.53M · min. income ≈ HK$198,190/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$808,952 · Scale 2, in force from 26 Feb 2026)