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$46,810
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$48,266
−HK$1,479/mo
Today · 4.125%
HK$49,745
baseline
▲ 0.50% · 4.625%
HK$52,772
+HK$3,027/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$99,490/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$802,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,076
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$53,472
−HK$1,417/mo
Today · 4.125%
HK$54,889
baseline
▲ 0.50% · 4.625%
HK$57,782
+HK$2,893/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$109,778/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$802,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,172
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,919
−HK$1,775/mo
Today · 4.125%
HK$59,694
baseline
▲ 0.50% · 4.625%
HK$63,327
+HK$3,633/mo
Deposit HK$8.21M · loan HK$12.32M · min. income ≈ HK$119,388/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$802,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,491
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,167
−HK$1,700/mo
Today · 4.125%
HK$65,867
baseline
▲ 0.50% · 4.625%
HK$69,339
+HK$3,472/mo
Deposit HK$8.21M · loan HK$12.32M · min. income ≈ HK$131,734/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$802,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,534
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$67,572
−HK$2,072/mo
Today · 4.125%
HK$69,644
baseline
▲ 0.50% · 4.625%
HK$73,881
+HK$4,237/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$139,288/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$802,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,906
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$74,861
−HK$1,984/mo
Today · 4.125%
HK$76,845
baseline
▲ 0.50% · 4.625%
HK$80,895
+HK$4,050/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$153,690/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$802,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,258
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$86,879
−HK$2,663/mo
Today · 4.125%
HK$89,542
baseline
▲ 0.50% · 4.625%
HK$94,990
+HK$5,448/mo
Deposit HK$2.05M · loan HK$18.48M · min. income ≈ HK$179,084/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$802,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,736
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$96,250
−HK$2,550/mo
Today · 4.125%
HK$98,800
baseline
▲ 0.50% · 4.625%
HK$104,008
+HK$5,208/mo
Deposit HK$2.05M · loan HK$18.48M · min. income ≈ HK$197,600/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$802,839 · Scale 2, in force from 26 Feb 2026)