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$46,695
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,147
−HK$1,476/mo
Today · 4.125%
HK$49,623
baseline
▲ 0.50% · 4.625%
HK$52,643
+HK$3,020/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$99,246/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$797,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,948
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,341
−HK$1,413/mo
Today · 4.125%
HK$54,754
baseline
▲ 0.50% · 4.625%
HK$57,640
+HK$2,886/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$109,508/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$797,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,034
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$57,777
−HK$1,771/mo
Today · 4.125%
HK$59,548
baseline
▲ 0.50% · 4.625%
HK$63,171
+HK$3,623/mo
Deposit HK$8.19M · loan HK$12.29M · min. income ≈ HK$119,096/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$797,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,337
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$64,009
−HK$1,696/mo
Today · 4.125%
HK$65,705
baseline
▲ 0.50% · 4.625%
HK$69,168
+HK$3,463/mo
Deposit HK$8.19M · loan HK$12.29M · min. income ≈ HK$131,410/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$797,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,373
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$67,406
−HK$2,066/mo
Today · 4.125%
HK$69,472
baseline
▲ 0.50% · 4.625%
HK$73,700
+HK$4,228/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$138,944/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$797,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,727
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$74,677
−HK$1,979/mo
Today · 4.125%
HK$76,656
baseline
▲ 0.50% · 4.625%
HK$80,697
+HK$4,041/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$153,312/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$797,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,051
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$86,665
−HK$2,657/mo
Today · 4.125%
HK$89,322
baseline
▲ 0.50% · 4.625%
HK$94,757
+HK$5,435/mo
Deposit HK$2.05M · loan HK$18.43M · min. income ≈ HK$178,644/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$797,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,506
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$96,014
−HK$2,544/mo
Today · 4.125%
HK$98,558
baseline
▲ 0.50% · 4.625%
HK$103,753
+HK$5,195/mo
Deposit HK$2.05M · loan HK$18.43M · min. income ≈ HK$197,116/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$797,793 · Scale 2, in force from 26 Feb 2026)