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$46,967
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$48,428
−HK$1,485/mo
Today · 4.125%
HK$49,913
baseline
▲ 0.50% · 4.625%
HK$52,950
+HK$3,037/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$99,826/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$809,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,251
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,652
−HK$1,422/mo
Today · 4.125%
HK$55,074
baseline
▲ 0.50% · 4.625%
HK$57,977
+HK$2,903/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$110,148/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$809,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,361
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$58,114
−HK$1,781/mo
Today · 4.125%
HK$59,895
baseline
▲ 0.50% · 4.625%
HK$63,540
+HK$3,645/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$119,790/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$809,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,701
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$64,383
−HK$1,706/mo
Today · 4.125%
HK$66,089
baseline
▲ 0.50% · 4.625%
HK$69,572
+HK$3,483/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$132,178/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$809,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,754
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$67,800
−HK$2,078/mo
Today · 4.125%
HK$69,878
baseline
▲ 0.50% · 4.625%
HK$74,130
+HK$4,252/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$139,756/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$809,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,151
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$75,113
−HK$1,990/mo
Today · 4.125%
HK$77,103
baseline
▲ 0.50% · 4.625%
HK$81,168
+HK$4,065/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$154,206/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$809,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,541
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$87,171
−HK$2,672/mo
Today · 4.125%
HK$89,843
baseline
▲ 0.50% · 4.625%
HK$95,310
+HK$5,467/mo
Deposit HK$2.06M · loan HK$18.54M · min. income ≈ HK$179,686/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$809,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,052
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$96,574
−HK$2,559/mo
Today · 4.125%
HK$99,133
baseline
▲ 0.50% · 4.625%
HK$104,358
+HK$5,225/mo
Deposit HK$2.06M · loan HK$18.54M · min. income ≈ HK$198,266/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$809,746 · Scale 2, in force from 26 Feb 2026)