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$46,809
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$48,265
−HK$1,479/mo
Today · 4.125%
HK$49,744
baseline
▲ 0.50% · 4.625%
HK$52,771
+HK$3,027/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$99,488/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$802,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,075
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$53,471
−HK$1,417/mo
Today · 4.125%
HK$54,888
baseline
▲ 0.50% · 4.625%
HK$57,781
+HK$2,893/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$109,776/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$802,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,171
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,918
−HK$1,775/mo
Today · 4.125%
HK$59,693
baseline
▲ 0.50% · 4.625%
HK$63,326
+HK$3,633/mo
Deposit HK$8.21M · loan HK$12.32M · min. income ≈ HK$119,386/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$802,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,490
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,166
−HK$1,700/mo
Today · 4.125%
HK$65,866
baseline
▲ 0.50% · 4.625%
HK$69,338
+HK$3,472/mo
Deposit HK$8.21M · loan HK$12.32M · min. income ≈ HK$131,732/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$802,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,533
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$67,571
−HK$2,071/mo
Today · 4.125%
HK$69,642
baseline
▲ 0.50% · 4.625%
HK$73,880
+HK$4,238/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$139,284/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$802,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,905
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$74,860
−HK$1,983/mo
Today · 4.125%
HK$76,843
baseline
▲ 0.50% · 4.625%
HK$80,894
+HK$4,051/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$153,686/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$802,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,256
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$86,877
−HK$2,663/mo
Today · 4.125%
HK$89,540
baseline
▲ 0.50% · 4.625%
HK$94,988
+HK$5,448/mo
Deposit HK$2.05M · loan HK$18.48M · min. income ≈ HK$179,080/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$802,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,734
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$96,248
−HK$2,551/mo
Today · 4.125%
HK$98,799
baseline
▲ 0.50% · 4.625%
HK$104,006
+HK$5,207/mo
Deposit HK$2.05M · loan HK$18.48M · min. income ≈ HK$197,598/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$802,802 · Scale 2, in force from 26 Feb 2026)