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$46,562
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,010
−HK$1,472/mo
Today · 4.125%
HK$49,482
baseline
▲ 0.50% · 4.625%
HK$52,493
+HK$3,011/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$98,964/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$791,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,800
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$53,189
−HK$1,409/mo
Today · 4.125%
HK$54,598
baseline
▲ 0.50% · 4.625%
HK$57,476
+HK$2,878/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$109,196/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$791,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,874
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,612
−HK$1,766/mo
Today · 4.125%
HK$59,378
baseline
▲ 0.50% · 4.625%
HK$62,991
+HK$3,613/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$118,756/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$791,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,160
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,827
−HK$1,691/mo
Today · 4.125%
HK$65,518
baseline
▲ 0.50% · 4.625%
HK$68,971
+HK$3,453/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$131,036/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$791,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,187
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$67,214
−HK$2,060/mo
Today · 4.125%
HK$69,274
baseline
▲ 0.50% · 4.625%
HK$73,490
+HK$4,216/mo
Deposit HK$6.13M · loan HK$14.29M · min. income ≈ HK$138,548/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$791,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,519
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$74,464
−HK$1,973/mo
Today · 4.125%
HK$76,437
baseline
▲ 0.50% · 4.625%
HK$80,467
+HK$4,030/mo
Deposit HK$6.13M · loan HK$14.29M · min. income ≈ HK$152,874/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$791,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,811
−HK$5,256/mo
▼ 0.25% · 3.875%
HK$86,418
−HK$2,649/mo
Today · 4.125%
HK$89,067
baseline
▲ 0.50% · 4.625%
HK$94,487
+HK$5,420/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$178,134/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$791,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,239
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$95,740
−HK$2,537/mo
Today · 4.125%
HK$98,277
baseline
▲ 0.50% · 4.625%
HK$103,457
+HK$5,180/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$196,554/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$791,958 · Scale 2, in force from 26 Feb 2026)