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$46,580
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$48,029
−HK$1,472/mo
Today · 4.125%
HK$49,501
baseline
▲ 0.50% · 4.625%
HK$52,513
+HK$3,012/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$99,002/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$792,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,820
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,210
−HK$1,410/mo
Today · 4.125%
HK$54,620
baseline
▲ 0.50% · 4.625%
HK$57,499
+HK$2,879/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$109,240/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$792,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,897
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,635
−HK$1,767/mo
Today · 4.125%
HK$59,402
baseline
▲ 0.50% · 4.625%
HK$63,016
+HK$3,614/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$118,804/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$792,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,184
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$63,852
−HK$1,692/mo
Today · 4.125%
HK$65,544
baseline
▲ 0.50% · 4.625%
HK$68,999
+HK$3,455/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$131,088/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$792,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,213
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$67,241
−HK$2,061/mo
Today · 4.125%
HK$69,302
baseline
▲ 0.50% · 4.625%
HK$73,519
+HK$4,217/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$138,604/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$792,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,548
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$74,494
−HK$1,974/mo
Today · 4.125%
HK$76,468
baseline
▲ 0.50% · 4.625%
HK$80,499
+HK$4,031/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$152,936/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$792,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,845
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$86,453
−HK$2,650/mo
Today · 4.125%
HK$89,103
baseline
▲ 0.50% · 4.625%
HK$94,524
+HK$5,421/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$178,206/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$792,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,276
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$95,778
−HK$2,538/mo
Today · 4.125%
HK$98,316
baseline
▲ 0.50% · 4.625%
HK$103,498
+HK$5,182/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$196,632/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$792,771 · Scale 2, in force from 26 Feb 2026)