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$46,614
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$48,064
−HK$1,473/mo
Today · 4.125%
HK$49,537
baseline
▲ 0.50% · 4.625%
HK$52,551
+HK$3,014/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$99,074/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$794,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,858
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$53,248
−HK$1,411/mo
Today · 4.125%
HK$54,659
baseline
▲ 0.50% · 4.625%
HK$57,540
+HK$2,881/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$109,318/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$794,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,937
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$57,677
−HK$1,767/mo
Today · 4.125%
HK$59,444
baseline
▲ 0.50% · 4.625%
HK$63,062
+HK$3,618/mo
Deposit HK$8.18M · loan HK$12.27M · min. income ≈ HK$118,888/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$794,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,229
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$63,898
−HK$1,693/mo
Today · 4.125%
HK$65,591
baseline
▲ 0.50% · 4.625%
HK$69,049
+HK$3,458/mo
Deposit HK$8.18M · loan HK$12.27M · min. income ≈ HK$131,182/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$794,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,260
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$67,289
−HK$2,063/mo
Today · 4.125%
HK$69,352
baseline
▲ 0.50% · 4.625%
HK$73,572
+HK$4,220/mo
Deposit HK$6.13M · loan HK$14.31M · min. income ≈ HK$138,704/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$794,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,601
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$74,548
−HK$1,975/mo
Today · 4.125%
HK$76,523
baseline
▲ 0.50% · 4.625%
HK$80,557
+HK$4,034/mo
Deposit HK$6.13M · loan HK$14.31M · min. income ≈ HK$153,046/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$794,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,905
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$86,515
−HK$2,652/mo
Today · 4.125%
HK$89,167
baseline
▲ 0.50% · 4.625%
HK$94,592
+HK$5,425/mo
Deposit HK$2.04M · loan HK$18.40M · min. income ≈ HK$178,334/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$794,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,344
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$95,847
−HK$2,540/mo
Today · 4.125%
HK$98,387
baseline
▲ 0.50% · 4.625%
HK$103,573
+HK$5,186/mo
Deposit HK$2.04M · loan HK$18.40M · min. income ≈ HK$196,774/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$794,242 · Scale 2, in force from 26 Feb 2026)