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$46,579
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,027
−HK$1,472/mo
Today · 4.125%
HK$49,499
baseline
▲ 0.50% · 4.625%
HK$52,511
+HK$3,012/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$98,998/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$792,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,818
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,208
−HK$1,410/mo
Today · 4.125%
HK$54,618
baseline
▲ 0.50% · 4.625%
HK$57,497
+HK$2,879/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$109,236/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$792,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,894
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,633
−HK$1,766/mo
Today · 4.125%
HK$59,399
baseline
▲ 0.50% · 4.625%
HK$63,014
+HK$3,615/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$118,798/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$792,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,182
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,849
−HK$1,692/mo
Today · 4.125%
HK$65,541
baseline
▲ 0.50% · 4.625%
HK$68,996
+HK$3,455/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$131,082/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$792,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,210
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$67,238
−HK$2,061/mo
Today · 4.125%
HK$69,299
baseline
▲ 0.50% · 4.625%
HK$73,516
+HK$4,217/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$138,598/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$792,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,545
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$74,491
−HK$1,974/mo
Today · 4.125%
HK$76,465
baseline
▲ 0.50% · 4.625%
HK$80,495
+HK$4,030/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$152,930/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$792,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,841
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$86,449
−HK$2,650/mo
Today · 4.125%
HK$89,099
baseline
▲ 0.50% · 4.625%
HK$94,520
+HK$5,421/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$178,198/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$792,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,273
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$95,774
−HK$2,538/mo
Today · 4.125%
HK$98,312
baseline
▲ 0.50% · 4.625%
HK$103,494
+HK$5,182/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$196,624/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$792,687 · Scale 2, in force from 26 Feb 2026)