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$46,772
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$48,227
−HK$1,478/mo
Today · 4.125%
HK$49,705
baseline
▲ 0.50% · 4.625%
HK$52,730
+HK$3,025/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$99,410/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$801,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,034
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$53,429
−HK$1,416/mo
Today · 4.125%
HK$54,845
baseline
▲ 0.50% · 4.625%
HK$57,736
+HK$2,891/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$109,690/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$801,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,127
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$57,873
−HK$1,773/mo
Today · 4.125%
HK$59,646
baseline
▲ 0.50% · 4.625%
HK$63,276
+HK$3,630/mo
Deposit HK$8.20M · loan HK$12.31M · min. income ≈ HK$119,292/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$801,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,441
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$64,115
−HK$1,699/mo
Today · 4.125%
HK$65,814
baseline
▲ 0.50% · 4.625%
HK$69,283
+HK$3,469/mo
Deposit HK$8.20M · loan HK$12.31M · min. income ≈ HK$131,628/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$801,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,481
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$67,518
−HK$2,070/mo
Today · 4.125%
HK$69,588
baseline
▲ 0.50% · 4.625%
HK$73,822
+HK$4,234/mo
Deposit HK$6.15M · loan HK$14.36M · min. income ≈ HK$139,176/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$801,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,847
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$74,801
−HK$1,982/mo
Today · 4.125%
HK$76,783
baseline
▲ 0.50% · 4.625%
HK$80,830
+HK$4,047/mo
Deposit HK$6.15M · loan HK$14.36M · min. income ≈ HK$153,566/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$801,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,190
−HK$5,280/mo
▼ 0.25% · 3.875%
HK$86,809
−HK$2,661/mo
Today · 4.125%
HK$89,470
baseline
▲ 0.50% · 4.625%
HK$94,914
+HK$5,444/mo
Deposit HK$2.05M · loan HK$18.46M · min. income ≈ HK$178,940/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$801,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,661
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$96,173
−HK$2,548/mo
Today · 4.125%
HK$98,721
baseline
▲ 0.50% · 4.625%
HK$103,925
+HK$5,204/mo
Deposit HK$2.05M · loan HK$18.46M · min. income ≈ HK$197,442/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$801,188 · Scale 2, in force from 26 Feb 2026)