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$46,581
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$48,030
−HK$1,472/mo
Today · 4.125%
HK$49,502
baseline
▲ 0.50% · 4.625%
HK$52,514
+HK$3,012/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$99,004/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$792,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,821
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,211
−HK$1,410/mo
Today · 4.125%
HK$54,621
baseline
▲ 0.50% · 4.625%
HK$57,500
+HK$2,879/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$109,242/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$792,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,897
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$57,636
−HK$1,767/mo
Today · 4.125%
HK$59,403
baseline
▲ 0.50% · 4.625%
HK$63,017
+HK$3,614/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$118,806/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$792,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,185
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$63,853
−HK$1,692/mo
Today · 4.125%
HK$65,545
baseline
▲ 0.50% · 4.625%
HK$69,000
+HK$3,455/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$131,090/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$792,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,214
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$67,242
−HK$2,061/mo
Today · 4.125%
HK$69,303
baseline
▲ 0.50% · 4.625%
HK$73,520
+HK$4,217/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$138,606/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$792,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,549
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$74,495
−HK$1,974/mo
Today · 4.125%
HK$76,469
baseline
▲ 0.50% · 4.625%
HK$80,500
+HK$4,031/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$152,938/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$792,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,846
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$86,454
−HK$2,650/mo
Today · 4.125%
HK$89,104
baseline
▲ 0.50% · 4.625%
HK$94,526
+HK$5,422/mo
Deposit HK$2.04M · loan HK$18.39M · min. income ≈ HK$178,208/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$792,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,278
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$95,780
−HK$2,537/mo
Today · 4.125%
HK$98,317
baseline
▲ 0.50% · 4.625%
HK$103,500
+HK$5,183/mo
Deposit HK$2.04M · loan HK$18.39M · min. income ≈ HK$196,634/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$792,803 · Scale 2, in force from 26 Feb 2026)