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$46,823
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$48,280
−HK$1,480/mo
Today · 4.125%
HK$49,760
baseline
▲ 0.50% · 4.625%
HK$52,787
+HK$3,027/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$99,520/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$803,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,091
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,488
−HK$1,417/mo
Today · 4.125%
HK$54,905
baseline
▲ 0.50% · 4.625%
HK$57,799
+HK$2,894/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$109,810/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$803,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,188
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$57,936
−HK$1,776/mo
Today · 4.125%
HK$59,712
baseline
▲ 0.50% · 4.625%
HK$63,345
+HK$3,633/mo
Deposit HK$8.21M · loan HK$12.32M · min. income ≈ HK$119,424/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$803,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,509
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$64,185
−HK$1,701/mo
Today · 4.125%
HK$65,886
baseline
▲ 0.50% · 4.625%
HK$69,359
+HK$3,473/mo
Deposit HK$8.21M · loan HK$12.32M · min. income ≈ HK$131,772/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$803,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,553
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$67,592
−HK$2,072/mo
Today · 4.125%
HK$69,664
baseline
▲ 0.50% · 4.625%
HK$73,902
+HK$4,238/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$139,328/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$803,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,927
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$74,883
−HK$1,984/mo
Today · 4.125%
HK$76,867
baseline
▲ 0.50% · 4.625%
HK$80,919
+HK$4,052/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$153,734/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$803,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,282
−HK$5,285/mo
▼ 0.25% · 3.875%
HK$86,904
−HK$2,663/mo
Today · 4.125%
HK$89,567
baseline
▲ 0.50% · 4.625%
HK$95,017
+HK$5,450/mo
Deposit HK$2.05M · loan HK$18.48M · min. income ≈ HK$179,134/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$803,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,763
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$96,278
−HK$2,551/mo
Today · 4.125%
HK$98,829
baseline
▲ 0.50% · 4.625%
HK$104,038
+HK$5,209/mo
Deposit HK$2.05M · loan HK$18.48M · min. income ≈ HK$197,658/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$803,431 · Scale 2, in force from 26 Feb 2026)