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$46,662
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$48,113
−HK$1,475/mo
Today · 4.125%
HK$49,588
baseline
▲ 0.50% · 4.625%
HK$52,605
+HK$3,017/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$99,176/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$796,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,911
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$53,303
−HK$1,412/mo
Today · 4.125%
HK$54,715
baseline
▲ 0.50% · 4.625%
HK$57,599
+HK$2,884/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$109,430/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$796,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,994
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,736
−HK$1,769/mo
Today · 4.125%
HK$59,505
baseline
▲ 0.50% · 4.625%
HK$63,126
+HK$3,621/mo
Deposit HK$8.19M · loan HK$12.28M · min. income ≈ HK$119,010/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$796,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,293
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,964
−HK$1,694/mo
Today · 4.125%
HK$65,658
baseline
▲ 0.50% · 4.625%
HK$69,119
+HK$3,461/mo
Deposit HK$8.19M · loan HK$12.28M · min. income ≈ HK$131,316/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$796,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,327
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$67,359
−HK$2,064/mo
Today · 4.125%
HK$69,423
baseline
▲ 0.50% · 4.625%
HK$73,647
+HK$4,224/mo
Deposit HK$6.14M · loan HK$14.32M · min. income ≈ HK$138,846/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$796,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,675
−HK$3,926/mo
▼ 0.25% · 3.875%
HK$74,624
−HK$1,977/mo
Today · 4.125%
HK$76,601
baseline
▲ 0.50% · 4.625%
HK$80,639
+HK$4,038/mo
Deposit HK$6.14M · loan HK$14.32M · min. income ≈ HK$153,202/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$796,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,991
−HK$5,267/mo
▼ 0.25% · 3.875%
HK$86,604
−HK$2,654/mo
Today · 4.125%
HK$89,258
baseline
▲ 0.50% · 4.625%
HK$94,689
+HK$5,431/mo
Deposit HK$2.05M · loan HK$18.42M · min. income ≈ HK$178,516/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$796,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,439
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$95,945
−HK$2,543/mo
Today · 4.125%
HK$98,488
baseline
▲ 0.50% · 4.625%
HK$103,679
+HK$5,191/mo
Deposit HK$2.05M · loan HK$18.42M · min. income ≈ HK$196,976/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$796,340 · Scale 2, in force from 26 Feb 2026)