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$46,948
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,409
−HK$1,483/mo
Today · 4.125%
HK$49,892
baseline
▲ 0.50% · 4.625%
HK$52,928
+HK$3,036/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$99,784/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$808,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,230
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,630
−HK$1,421/mo
Today · 4.125%
HK$55,051
baseline
▲ 0.50% · 4.625%
HK$57,953
+HK$2,902/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$110,102/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$808,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,338
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,091
−HK$1,780/mo
Today · 4.125%
HK$59,871
baseline
▲ 0.50% · 4.625%
HK$63,514
+HK$3,643/mo
Deposit HK$8.24M · loan HK$12.35M · min. income ≈ HK$119,742/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$808,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,676
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,356
−HK$1,706/mo
Today · 4.125%
HK$66,062
baseline
▲ 0.50% · 4.625%
HK$69,544
+HK$3,482/mo
Deposit HK$8.24M · loan HK$12.35M · min. income ≈ HK$132,124/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$808,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,728
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$67,772
−HK$2,077/mo
Today · 4.125%
HK$69,849
baseline
▲ 0.50% · 4.625%
HK$74,100
+HK$4,251/mo
Deposit HK$6.18M · loan HK$14.41M · min. income ≈ HK$139,698/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$808,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,121
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$75,083
−HK$1,989/mo
Today · 4.125%
HK$77,072
baseline
▲ 0.50% · 4.625%
HK$81,135
+HK$4,063/mo
Deposit HK$6.18M · loan HK$14.41M · min. income ≈ HK$154,144/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$808,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,507
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$87,136
−HK$2,670/mo
Today · 4.125%
HK$89,806
baseline
▲ 0.50% · 4.625%
HK$95,271
+HK$5,465/mo
Deposit HK$2.06M · loan HK$18.53M · min. income ≈ HK$179,612/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$808,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,013
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$96,535
−HK$2,558/mo
Today · 4.125%
HK$99,093
baseline
▲ 0.50% · 4.625%
HK$104,316
+HK$5,223/mo
Deposit HK$2.06M · loan HK$18.53M · min. income ≈ HK$198,186/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$808,910 · Scale 2, in force from 26 Feb 2026)