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$46,884
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$48,343
−HK$1,481/mo
Today · 4.125%
HK$49,824
baseline
▲ 0.50% · 4.625%
HK$52,856
+HK$3,032/mo
Deposit HK$10.28M · loan HK$10.28M · min. income ≈ HK$99,648/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$806,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,158
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$53,557
−HK$1,419/mo
Today · 4.125%
HK$54,976
baseline
▲ 0.50% · 4.625%
HK$57,874
+HK$2,898/mo
Deposit HK$10.28M · loan HK$10.28M · min. income ≈ HK$109,952/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$806,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,261
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$58,011
−HK$1,778/mo
Today · 4.125%
HK$59,789
baseline
▲ 0.50% · 4.625%
HK$63,427
+HK$3,638/mo
Deposit HK$8.22M · loan HK$12.34M · min. income ≈ HK$119,578/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$806,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,590
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$64,269
−HK$1,702/mo
Today · 4.125%
HK$65,971
baseline
▲ 0.50% · 4.625%
HK$69,449
+HK$3,478/mo
Deposit HK$8.22M · loan HK$12.34M · min. income ≈ HK$131,942/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$806,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,638
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$67,680
−HK$2,074/mo
Today · 4.125%
HK$69,754
baseline
▲ 0.50% · 4.625%
HK$73,998
+HK$4,244/mo
Deposit HK$6.17M · loan HK$14.39M · min. income ≈ HK$139,508/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$806,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,022
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$74,980
−HK$1,987/mo
Today · 4.125%
HK$76,967
baseline
▲ 0.50% · 4.625%
HK$81,024
+HK$4,057/mo
Deposit HK$6.17M · loan HK$14.39M · min. income ≈ HK$153,934/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$806,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,392
−HK$5,292/mo
▼ 0.25% · 3.875%
HK$87,017
−HK$2,667/mo
Today · 4.125%
HK$89,684
baseline
▲ 0.50% · 4.625%
HK$95,141
+HK$5,457/mo
Deposit HK$2.06M · loan HK$18.50M · min. income ≈ HK$179,368/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$806,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,885
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$96,403
−HK$2,554/mo
Today · 4.125%
HK$98,957
baseline
▲ 0.50% · 4.625%
HK$104,173
+HK$5,216/mo
Deposit HK$2.06M · loan HK$18.50M · min. income ≈ HK$197,914/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$806,096 · Scale 2, in force from 26 Feb 2026)