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$46,679
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,131
−HK$1,475/mo
Today · 4.125%
HK$49,606
baseline
▲ 0.50% · 4.625%
HK$52,625
+HK$3,019/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$99,212/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$797,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,930
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,323
−HK$1,413/mo
Today · 4.125%
HK$54,736
baseline
▲ 0.50% · 4.625%
HK$57,621
+HK$2,885/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$109,472/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$797,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,015
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,757
−HK$1,770/mo
Today · 4.125%
HK$59,527
baseline
▲ 0.50% · 4.625%
HK$63,150
+HK$3,623/mo
Deposit HK$8.19M · loan HK$12.28M · min. income ≈ HK$119,054/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$797,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,316
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$63,987
−HK$1,696/mo
Today · 4.125%
HK$65,683
baseline
▲ 0.50% · 4.625%
HK$69,145
+HK$3,462/mo
Deposit HK$8.19M · loan HK$12.28M · min. income ≈ HK$131,366/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$797,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,351
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$67,383
−HK$2,066/mo
Today · 4.125%
HK$69,449
baseline
▲ 0.50% · 4.625%
HK$73,674
+HK$4,225/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$138,898/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$797,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,702
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$74,652
−HK$1,978/mo
Today · 4.125%
HK$76,630
baseline
▲ 0.50% · 4.625%
HK$80,669
+HK$4,039/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$153,260/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$797,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,022
−HK$5,269/mo
▼ 0.25% · 3.875%
HK$86,636
−HK$2,655/mo
Today · 4.125%
HK$89,291
baseline
▲ 0.50% · 4.625%
HK$94,724
+HK$5,433/mo
Deposit HK$2.05M · loan HK$18.42M · min. income ≈ HK$178,582/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$797,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,474
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$95,981
−HK$2,543/mo
Today · 4.125%
HK$98,524
baseline
▲ 0.50% · 4.625%
HK$103,717
+HK$5,193/mo
Deposit HK$2.05M · loan HK$18.42M · min. income ≈ HK$197,048/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$797,095 · Scale 2, in force from 26 Feb 2026)