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$46,599
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,048
−HK$1,473/mo
Today · 4.125%
HK$49,521
baseline
▲ 0.50% · 4.625%
HK$52,534
+HK$3,013/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$99,042/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$793,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,840
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$53,231
−HK$1,410/mo
Today · 4.125%
HK$54,641
baseline
▲ 0.50% · 4.625%
HK$57,521
+HK$2,880/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$109,282/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$793,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,918
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$57,658
−HK$1,767/mo
Today · 4.125%
HK$59,425
baseline
▲ 0.50% · 4.625%
HK$63,041
+HK$3,616/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$118,850/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$793,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,208
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,877
−HK$1,692/mo
Today · 4.125%
HK$65,569
baseline
▲ 0.50% · 4.625%
HK$69,026
+HK$3,457/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$131,138/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$793,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,238
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$67,267
−HK$2,062/mo
Today · 4.125%
HK$69,329
baseline
▲ 0.50% · 4.625%
HK$73,547
+HK$4,218/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$138,658/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$793,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,577
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$74,523
−HK$1,975/mo
Today · 4.125%
HK$76,498
baseline
▲ 0.50% · 4.625%
HK$80,530
+HK$4,032/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$152,996/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$793,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,877
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$86,486
−HK$2,651/mo
Today · 4.125%
HK$89,137
baseline
▲ 0.50% · 4.625%
HK$94,561
+HK$5,424/mo
Deposit HK$2.04M · loan HK$18.39M · min. income ≈ HK$178,274/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$793,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,313
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$95,815
−HK$2,539/mo
Today · 4.125%
HK$98,354
baseline
▲ 0.50% · 4.625%
HK$103,538
+HK$5,184/mo
Deposit HK$2.04M · loan HK$18.39M · min. income ≈ HK$196,708/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$793,565 · Scale 2, in force from 26 Feb 2026)