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$46,684
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,137
−HK$1,475/mo
Today · 4.125%
HK$49,612
baseline
▲ 0.50% · 4.625%
HK$52,631
+HK$3,019/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$99,224/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$797,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,936
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,329
−HK$1,413/mo
Today · 4.125%
HK$54,742
baseline
▲ 0.50% · 4.625%
HK$57,627
+HK$2,885/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$109,484/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$797,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,021
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$57,764
−HK$1,770/mo
Today · 4.125%
HK$59,534
baseline
▲ 0.50% · 4.625%
HK$63,157
+HK$3,623/mo
Deposit HK$8.19M · loan HK$12.28M · min. income ≈ HK$119,068/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$797,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,323
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$63,995
−HK$1,695/mo
Today · 4.125%
HK$65,690
baseline
▲ 0.50% · 4.625%
HK$69,153
+HK$3,463/mo
Deposit HK$8.19M · loan HK$12.28M · min. income ≈ HK$131,380/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$797,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,358
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$67,391
−HK$2,066/mo
Today · 4.125%
HK$69,457
baseline
▲ 0.50% · 4.625%
HK$73,683
+HK$4,226/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$138,914/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$797,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,710
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$74,660
−HK$1,979/mo
Today · 4.125%
HK$76,639
baseline
▲ 0.50% · 4.625%
HK$80,678
+HK$4,039/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$153,278/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$797,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,032
−HK$5,269/mo
▼ 0.25% · 3.875%
HK$86,646
−HK$2,655/mo
Today · 4.125%
HK$89,301
baseline
▲ 0.50% · 4.625%
HK$94,735
+HK$5,434/mo
Deposit HK$2.05M · loan HK$18.43M · min. income ≈ HK$178,602/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$797,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,485
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$95,992
−HK$2,543/mo
Today · 4.125%
HK$98,535
baseline
▲ 0.50% · 4.625%
HK$103,729
+HK$5,194/mo
Deposit HK$2.05M · loan HK$18.43M · min. income ≈ HK$197,070/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$797,332 · Scale 2, in force from 26 Feb 2026)