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$46,604
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$48,054
−HK$1,473/mo
Today · 4.125%
HK$49,527
baseline
▲ 0.50% · 4.625%
HK$52,540
+HK$3,013/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$99,054/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$793,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,847
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$53,237
−HK$1,411/mo
Today · 4.125%
HK$54,648
baseline
▲ 0.50% · 4.625%
HK$57,528
+HK$2,880/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$109,296/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$793,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,925
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$57,665
−HK$1,767/mo
Today · 4.125%
HK$59,432
baseline
▲ 0.50% · 4.625%
HK$63,048
+HK$3,616/mo
Deposit HK$8.18M · loan HK$12.26M · min. income ≈ HK$118,864/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$793,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,216
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,885
−HK$1,692/mo
Today · 4.125%
HK$65,577
baseline
▲ 0.50% · 4.625%
HK$69,034
+HK$3,457/mo
Deposit HK$8.18M · loan HK$12.26M · min. income ≈ HK$131,154/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$793,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,246
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$67,275
−HK$2,062/mo
Today · 4.125%
HK$69,337
baseline
▲ 0.50% · 4.625%
HK$73,556
+HK$4,219/mo
Deposit HK$6.13M · loan HK$14.31M · min. income ≈ HK$138,674/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$793,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,585
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$74,532
−HK$1,975/mo
Today · 4.125%
HK$76,507
baseline
▲ 0.50% · 4.625%
HK$80,540
+HK$4,033/mo
Deposit HK$6.13M · loan HK$14.31M · min. income ≈ HK$153,014/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$793,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,887
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$86,497
−HK$2,651/mo
Today · 4.125%
HK$89,148
baseline
▲ 0.50% · 4.625%
HK$94,572
+HK$5,424/mo
Deposit HK$2.04M · loan HK$18.39M · min. income ≈ HK$178,296/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$793,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,324
−HK$5,042/mo
▼ 0.25% · 3.875%
HK$95,827
−HK$2,539/mo
Today · 4.125%
HK$98,366
baseline
▲ 0.50% · 4.625%
HK$103,551
+HK$5,185/mo
Deposit HK$2.04M · loan HK$18.39M · min. income ≈ HK$196,732/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$793,810 · Scale 2, in force from 26 Feb 2026)