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$46,588
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$48,037
−HK$1,472/mo
Today · 4.125%
HK$49,509
baseline
▲ 0.50% · 4.625%
HK$52,522
+HK$3,013/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$99,018/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$793,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,828
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$53,218
−HK$1,411/mo
Today · 4.125%
HK$54,629
baseline
▲ 0.50% · 4.625%
HK$57,508
+HK$2,879/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$109,258/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$793,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,905
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$57,644
−HK$1,767/mo
Today · 4.125%
HK$59,411
baseline
▲ 0.50% · 4.625%
HK$63,026
+HK$3,615/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$118,822/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$793,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,194
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$63,862
−HK$1,692/mo
Today · 4.125%
HK$65,554
baseline
▲ 0.50% · 4.625%
HK$69,010
+HK$3,456/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$131,108/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$793,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,223
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$67,252
−HK$2,061/mo
Today · 4.125%
HK$69,313
baseline
▲ 0.50% · 4.625%
HK$73,531
+HK$4,218/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$138,626/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$793,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,560
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$74,506
−HK$1,974/mo
Today · 4.125%
HK$76,480
baseline
▲ 0.50% · 4.625%
HK$80,511
+HK$4,031/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$152,960/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$793,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,858
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$86,467
−HK$2,650/mo
Today · 4.125%
HK$89,117
baseline
▲ 0.50% · 4.625%
HK$94,539
+HK$5,422/mo
Deposit HK$2.04M · loan HK$18.39M · min. income ≈ HK$178,234/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$793,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,291
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$95,793
−HK$2,538/mo
Today · 4.125%
HK$98,331
baseline
▲ 0.50% · 4.625%
HK$103,515
+HK$5,184/mo
Deposit HK$2.04M · loan HK$18.39M · min. income ≈ HK$196,662/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$793,096 · Scale 2, in force from 26 Feb 2026)