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$46,805
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$48,260
−HK$1,480/mo
Today · 4.125%
HK$49,740
baseline
▲ 0.50% · 4.625%
HK$52,766
+HK$3,026/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$99,480/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$802,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,070
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$53,466
−HK$1,417/mo
Today · 4.125%
HK$54,883
baseline
▲ 0.50% · 4.625%
HK$57,776
+HK$2,893/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$109,766/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$802,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,166
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,913
−HK$1,775/mo
Today · 4.125%
HK$59,688
baseline
▲ 0.50% · 4.625%
HK$63,319
+HK$3,631/mo
Deposit HK$8.21M · loan HK$12.32M · min. income ≈ HK$119,376/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$802,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,484
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$64,159
−HK$1,700/mo
Today · 4.125%
HK$65,859
baseline
▲ 0.50% · 4.625%
HK$69,331
+HK$3,472/mo
Deposit HK$8.21M · loan HK$12.32M · min. income ≈ HK$131,718/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$802,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,526
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$67,565
−HK$2,071/mo
Today · 4.125%
HK$69,636
baseline
▲ 0.50% · 4.625%
HK$73,873
+HK$4,237/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$139,272/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$802,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,897
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$74,853
−HK$1,983/mo
Today · 4.125%
HK$76,836
baseline
▲ 0.50% · 4.625%
HK$80,886
+HK$4,050/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$153,672/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$802,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,248
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$86,869
−HK$2,662/mo
Today · 4.125%
HK$89,531
baseline
▲ 0.50% · 4.625%
HK$94,979
+HK$5,448/mo
Deposit HK$2.05M · loan HK$18.47M · min. income ≈ HK$179,062/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$802,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,725
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$96,239
−HK$2,550/mo
Today · 4.125%
HK$98,789
baseline
▲ 0.50% · 4.625%
HK$103,996
+HK$5,207/mo
Deposit HK$2.05M · loan HK$18.47M · min. income ≈ HK$197,578/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$802,602 · Scale 2, in force from 26 Feb 2026)