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$46,788
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$48,244
−HK$1,479/mo
Today · 4.125%
HK$49,723
baseline
▲ 0.50% · 4.625%
HK$52,748
+HK$3,025/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$801,896 · 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$801,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,146
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$57,893
−HK$1,774/mo
Today · 4.125%
HK$59,667
baseline
▲ 0.50% · 4.625%
HK$63,298
+HK$3,631/mo
Deposit HK$8.21M · loan HK$12.31M · min. income ≈ HK$119,334/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$801,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,462
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$64,137
−HK$1,700/mo
Today · 4.125%
HK$65,837
baseline
▲ 0.50% · 4.625%
HK$69,307
+HK$3,470/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$801,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,504
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$67,541
−HK$2,071/mo
Today · 4.125%
HK$69,612
baseline
▲ 0.50% · 4.625%
HK$73,847
+HK$4,235/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$801,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,872
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$74,827
−HK$1,982/mo
Today · 4.125%
HK$76,809
baseline
▲ 0.50% · 4.625%
HK$80,858
+HK$4,049/mo
Deposit HK$6.16M · loan HK$14.36M · min. income ≈ HK$153,618/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$801,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,219
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$86,839
−HK$2,662/mo
Today · 4.125%
HK$89,501
baseline
▲ 0.50% · 4.625%
HK$94,946
+HK$5,445/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$801,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,693
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$96,206
−HK$2,549/mo
Today · 4.125%
HK$98,755
baseline
▲ 0.50% · 4.625%
HK$103,961
+HK$5,206/mo
Deposit HK$2.05M · loan HK$18.47M · min. income ≈ HK$197,510/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$801,896 · Scale 2, in force from 26 Feb 2026)