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$46,543
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$47,991
−HK$1,471/mo
Today · 4.125%
HK$49,462
baseline
▲ 0.50% · 4.625%
HK$52,472
+HK$3,010/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$98,924/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$791,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,779
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$53,168
−HK$1,408/mo
Today · 4.125%
HK$54,576
baseline
▲ 0.50% · 4.625%
HK$57,453
+HK$2,877/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$109,152/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$791,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,852
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$57,589
−HK$1,765/mo
Today · 4.125%
HK$59,354
baseline
▲ 0.50% · 4.625%
HK$62,966
+HK$3,612/mo
Deposit HK$8.16M · loan HK$12.25M · min. income ≈ HK$118,708/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$791,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,135
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$63,801
−HK$1,691/mo
Today · 4.125%
HK$65,492
baseline
▲ 0.50% · 4.625%
HK$68,944
+HK$3,452/mo
Deposit HK$8.16M · loan HK$12.25M · min. income ≈ HK$130,984/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$791,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,161
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$67,188
−HK$2,059/mo
Today · 4.125%
HK$69,247
baseline
▲ 0.50% · 4.625%
HK$73,460
+HK$4,213/mo
Deposit HK$6.12M · loan HK$14.29M · min. income ≈ HK$138,494/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$791,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,491
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$74,435
−HK$1,972/mo
Today · 4.125%
HK$76,407
baseline
▲ 0.50% · 4.625%
HK$80,435
+HK$4,028/mo
Deposit HK$6.12M · loan HK$14.29M · min. income ≈ HK$152,814/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$791,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,778
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$86,384
−HK$2,648/mo
Today · 4.125%
HK$89,032
baseline
▲ 0.50% · 4.625%
HK$94,449
+HK$5,417/mo
Deposit HK$2.04M · loan HK$18.37M · min. income ≈ HK$178,064/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$791,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,202
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$95,702
−HK$2,536/mo
Today · 4.125%
HK$98,238
baseline
▲ 0.50% · 4.625%
HK$103,416
+HK$5,178/mo
Deposit HK$2.04M · loan HK$18.37M · min. income ≈ HK$196,476/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$791,145 · Scale 2, in force from 26 Feb 2026)