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$46,596
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,046
−HK$1,472/mo
Today · 4.125%
HK$49,518
baseline
▲ 0.50% · 4.625%
HK$52,531
+HK$3,013/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$99,036/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$793,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,838
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$53,228
−HK$1,411/mo
Today · 4.125%
HK$54,639
baseline
▲ 0.50% · 4.625%
HK$57,519
+HK$2,880/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$109,278/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$793,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,916
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$57,655
−HK$1,767/mo
Today · 4.125%
HK$59,422
baseline
▲ 0.50% · 4.625%
HK$63,038
+HK$3,616/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$118,844/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$793,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,206
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$63,874
−HK$1,692/mo
Today · 4.125%
HK$65,566
baseline
▲ 0.50% · 4.625%
HK$69,022
+HK$3,456/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$131,132/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$793,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,235
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$67,264
−HK$2,062/mo
Today · 4.125%
HK$69,326
baseline
▲ 0.50% · 4.625%
HK$73,544
+HK$4,218/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$138,652/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$793,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,573
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$74,520
−HK$1,974/mo
Today · 4.125%
HK$76,494
baseline
▲ 0.50% · 4.625%
HK$80,526
+HK$4,032/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$152,988/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$793,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,874
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$86,482
−HK$2,651/mo
Today · 4.125%
HK$89,133
baseline
▲ 0.50% · 4.625%
HK$94,557
+HK$5,424/mo
Deposit HK$2.04M · loan HK$18.39M · min. income ≈ HK$178,266/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$793,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,308
−HK$5,042/mo
▼ 0.25% · 3.875%
HK$95,811
−HK$2,539/mo
Today · 4.125%
HK$98,350
baseline
▲ 0.50% · 4.625%
HK$103,534
+HK$5,184/mo
Deposit HK$2.04M · loan HK$18.39M · min. income ≈ HK$196,700/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$793,472 · Scale 2, in force from 26 Feb 2026)