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$46,789
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$48,244
−HK$1,479/mo
Today · 4.125%
HK$49,723
baseline
▲ 0.50% · 4.625%
HK$52,749
+HK$3,026/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$99,446/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$801,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,052
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$53,448
−HK$1,416/mo
Today · 4.125%
HK$54,864
baseline
▲ 0.50% · 4.625%
HK$57,756
+HK$2,892/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$109,728/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$801,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,147
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$57,893
−HK$1,775/mo
Today · 4.125%
HK$59,668
baseline
▲ 0.50% · 4.625%
HK$63,298
+HK$3,630/mo
Deposit HK$8.21M · loan HK$12.31M · min. income ≈ HK$119,336/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$801,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,463
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$64,138
−HK$1,699/mo
Today · 4.125%
HK$65,837
baseline
▲ 0.50% · 4.625%
HK$69,308
+HK$3,471/mo
Deposit HK$8.21M · loan HK$12.31M · min. income ≈ HK$131,674/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$801,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,505
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$67,542
−HK$2,070/mo
Today · 4.125%
HK$69,612
baseline
▲ 0.50% · 4.625%
HK$73,848
+HK$4,236/mo
Deposit HK$6.16M · loan HK$14.36M · min. income ≈ HK$139,224/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$801,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,873
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$74,828
−HK$1,982/mo
Today · 4.125%
HK$76,810
baseline
▲ 0.50% · 4.625%
HK$80,859
+HK$4,049/mo
Deposit HK$6.16M · loan HK$14.36M · min. income ≈ HK$153,620/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$801,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,220
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$86,840
−HK$2,661/mo
Today · 4.125%
HK$89,501
baseline
▲ 0.50% · 4.625%
HK$94,947
+HK$5,446/mo
Deposit HK$2.05M · loan HK$18.47M · min. income ≈ HK$179,002/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$801,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,694
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$96,207
−HK$2,549/mo
Today · 4.125%
HK$98,756
baseline
▲ 0.50% · 4.625%
HK$103,962
+HK$5,206/mo
Deposit HK$2.05M · loan HK$18.47M · min. income ≈ HK$197,512/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$801,917 · Scale 2, in force from 26 Feb 2026)