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$46,683
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,135
−HK$1,475/mo
Today · 4.125%
HK$49,610
baseline
▲ 0.50% · 4.625%
HK$52,629
+HK$3,019/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$99,220/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$797,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,934
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,327
−HK$1,413/mo
Today · 4.125%
HK$54,740
baseline
▲ 0.50% · 4.625%
HK$57,625
+HK$2,885/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$109,480/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$797,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,019
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$57,762
−HK$1,770/mo
Today · 4.125%
HK$59,532
baseline
▲ 0.50% · 4.625%
HK$63,154
+HK$3,622/mo
Deposit HK$8.19M · loan HK$12.28M · min. income ≈ HK$119,064/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$797,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,321
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$63,992
−HK$1,696/mo
Today · 4.125%
HK$65,688
baseline
▲ 0.50% · 4.625%
HK$69,150
+HK$3,462/mo
Deposit HK$8.19M · loan HK$12.28M · min. income ≈ HK$131,376/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$797,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,356
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$67,389
−HK$2,065/mo
Today · 4.125%
HK$69,454
baseline
▲ 0.50% · 4.625%
HK$73,680
+HK$4,226/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$138,908/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$797,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,708
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$74,658
−HK$1,978/mo
Today · 4.125%
HK$76,636
baseline
▲ 0.50% · 4.625%
HK$80,675
+HK$4,039/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$153,272/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$797,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,029
−HK$5,269/mo
▼ 0.25% · 3.875%
HK$86,643
−HK$2,655/mo
Today · 4.125%
HK$89,298
baseline
▲ 0.50% · 4.625%
HK$94,732
+HK$5,434/mo
Deposit HK$2.05M · loan HK$18.43M · min. income ≈ HK$178,596/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$797,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,481
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$95,988
−HK$2,544/mo
Today · 4.125%
HK$98,532
baseline
▲ 0.50% · 4.625%
HK$103,725
+HK$5,193/mo
Deposit HK$2.05M · loan HK$18.43M · min. income ≈ HK$197,064/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$797,256 · Scale 2, in force from 26 Feb 2026)