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$46,552
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,001
−HK$1,471/mo
Today · 4.125%
HK$49,472
baseline
▲ 0.50% · 4.625%
HK$52,482
+HK$3,010/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$98,944/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$791,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,789
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$53,178
−HK$1,409/mo
Today · 4.125%
HK$54,587
baseline
▲ 0.50% · 4.625%
HK$57,465
+HK$2,878/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$109,174/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$791,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,863
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$57,601
−HK$1,765/mo
Today · 4.125%
HK$59,366
baseline
▲ 0.50% · 4.625%
HK$62,978
+HK$3,612/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$118,732/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$791,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,147
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,814
−HK$1,691/mo
Today · 4.125%
HK$65,505
baseline
▲ 0.50% · 4.625%
HK$68,957
+HK$3,452/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$131,010/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$791,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,173
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$67,201
−HK$2,059/mo
Today · 4.125%
HK$69,260
baseline
▲ 0.50% · 4.625%
HK$73,475
+HK$4,215/mo
Deposit HK$6.12M · loan HK$14.29M · min. income ≈ HK$138,520/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$791,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,505
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$74,449
−HK$1,973/mo
Today · 4.125%
HK$76,422
baseline
▲ 0.50% · 4.625%
HK$80,450
+HK$4,028/mo
Deposit HK$6.12M · loan HK$14.29M · min. income ≈ HK$152,844/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$791,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,794
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$86,401
−HK$2,648/mo
Today · 4.125%
HK$89,049
baseline
▲ 0.50% · 4.625%
HK$94,468
+HK$5,419/mo
Deposit HK$2.04M · loan HK$18.37M · min. income ≈ HK$178,098/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$791,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,220
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$95,721
−HK$2,536/mo
Today · 4.125%
HK$98,257
baseline
▲ 0.50% · 4.625%
HK$103,436
+HK$5,179/mo
Deposit HK$2.04M · loan HK$18.37M · min. income ≈ HK$196,514/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$791,545 · Scale 2, in force from 26 Feb 2026)