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$46,790
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$48,245
−HK$1,479/mo
Today · 4.125%
HK$49,724
baseline
▲ 0.50% · 4.625%
HK$52,750
+HK$3,026/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$99,448/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$801,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,053
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$53,449
−HK$1,416/mo
Today · 4.125%
HK$54,865
baseline
▲ 0.50% · 4.625%
HK$57,758
+HK$2,893/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$109,730/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$801,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,148
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$57,894
−HK$1,775/mo
Today · 4.125%
HK$59,669
baseline
▲ 0.50% · 4.625%
HK$63,299
+HK$3,630/mo
Deposit HK$8.21M · loan HK$12.31M · min. income ≈ HK$119,338/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$801,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,464
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$64,139
−HK$1,700/mo
Today · 4.125%
HK$65,839
baseline
▲ 0.50% · 4.625%
HK$69,309
+HK$3,470/mo
Deposit HK$8.21M · loan HK$12.31M · min. income ≈ HK$131,678/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$801,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,506
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$67,543
−HK$2,071/mo
Today · 4.125%
HK$69,614
baseline
▲ 0.50% · 4.625%
HK$73,849
+HK$4,235/mo
Deposit HK$6.16M · loan HK$14.36M · min. income ≈ HK$139,228/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$801,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,874
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$74,829
−HK$1,983/mo
Today · 4.125%
HK$76,812
baseline
▲ 0.50% · 4.625%
HK$80,861
+HK$4,049/mo
Deposit HK$6.16M · loan HK$14.36M · min. income ≈ HK$153,624/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$801,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,222
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$86,841
−HK$2,662/mo
Today · 4.125%
HK$89,503
baseline
▲ 0.50% · 4.625%
HK$94,949
+HK$5,446/mo
Deposit HK$2.05M · loan HK$18.47M · min. income ≈ HK$179,006/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$801,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,696
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$96,209
−HK$2,549/mo
Today · 4.125%
HK$98,758
baseline
▲ 0.50% · 4.625%
HK$103,964
+HK$5,206/mo
Deposit HK$2.05M · loan HK$18.47M · min. income ≈ HK$197,516/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$801,954 · Scale 2, in force from 26 Feb 2026)