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$46,587
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,036
−HK$1,473/mo
Today · 4.125%
HK$49,509
baseline
▲ 0.50% · 4.625%
HK$52,521
+HK$3,012/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$793,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,828
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,218
−HK$1,410/mo
Today · 4.125%
HK$54,628
baseline
▲ 0.50% · 4.625%
HK$57,507
+HK$2,879/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$109,256/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$793,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,905
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,644
−HK$1,766/mo
Today · 4.125%
HK$59,410
baseline
▲ 0.50% · 4.625%
HK$63,025
+HK$3,615/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$118,820/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$793,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,193
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,861
−HK$1,693/mo
Today · 4.125%
HK$65,554
baseline
▲ 0.50% · 4.625%
HK$69,009
+HK$3,455/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$793,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,222
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$67,251
−HK$2,061/mo
Today · 4.125%
HK$69,312
baseline
▲ 0.50% · 4.625%
HK$73,530
+HK$4,218/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$138,624/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$793,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,559
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$74,505
−HK$1,974/mo
Today · 4.125%
HK$76,479
baseline
▲ 0.50% · 4.625%
HK$80,510
+HK$4,031/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$152,958/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$793,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,857
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$86,466
−HK$2,650/mo
Today · 4.125%
HK$89,116
baseline
▲ 0.50% · 4.625%
HK$94,538
+HK$5,422/mo
Deposit HK$2.04M · loan HK$18.39M · min. income ≈ HK$178,232/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$793,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,290
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$95,792
−HK$2,538/mo
Today · 4.125%
HK$98,330
baseline
▲ 0.50% · 4.625%
HK$103,513
+HK$5,183/mo
Deposit HK$2.04M · loan HK$18.39M · min. income ≈ HK$196,660/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$793,072 · Scale 2, in force from 26 Feb 2026)