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$46,656
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$48,108
−HK$1,474/mo
Today · 4.125%
HK$49,582
baseline
▲ 0.50% · 4.625%
HK$52,599
+HK$3,017/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$99,164/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$796,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,905
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$53,297
−HK$1,412/mo
Today · 4.125%
HK$54,709
baseline
▲ 0.50% · 4.625%
HK$57,593
+HK$2,884/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$109,418/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$796,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,988
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,729
−HK$1,770/mo
Today · 4.125%
HK$59,499
baseline
▲ 0.50% · 4.625%
HK$63,119
+HK$3,620/mo
Deposit HK$8.18M · loan HK$12.28M · min. income ≈ HK$118,998/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$796,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,286
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,956
−HK$1,695/mo
Today · 4.125%
HK$65,651
baseline
▲ 0.50% · 4.625%
HK$69,111
+HK$3,460/mo
Deposit HK$8.18M · loan HK$12.28M · min. income ≈ HK$131,302/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$796,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,319
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$67,351
−HK$2,064/mo
Today · 4.125%
HK$69,415
baseline
▲ 0.50% · 4.625%
HK$73,639
+HK$4,224/mo
Deposit HK$6.14M · loan HK$14.32M · min. income ≈ HK$138,830/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$796,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,667
−HK$3,926/mo
▼ 0.25% · 3.875%
HK$74,616
−HK$1,977/mo
Today · 4.125%
HK$76,593
baseline
▲ 0.50% · 4.625%
HK$80,630
+HK$4,037/mo
Deposit HK$6.14M · loan HK$14.32M · min. income ≈ HK$153,186/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$796,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,982
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$86,594
−HK$2,654/mo
Today · 4.125%
HK$89,248
baseline
▲ 0.50% · 4.625%
HK$94,678
+HK$5,430/mo
Deposit HK$2.05M · loan HK$18.41M · min. income ≈ HK$178,496/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$796,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,429
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$95,934
−HK$2,542/mo
Today · 4.125%
HK$98,476
baseline
▲ 0.50% · 4.625%
HK$103,667
+HK$5,191/mo
Deposit HK$2.05M · loan HK$18.41M · min. income ≈ HK$196,952/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$796,104 · Scale 2, in force from 26 Feb 2026)