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$46,638
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,088
−HK$1,474/mo
Today · 4.125%
HK$49,562
baseline
▲ 0.50% · 4.625%
HK$52,578
+HK$3,016/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$99,124/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$795,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,884
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$53,275
−HK$1,412/mo
Today · 4.125%
HK$54,687
baseline
▲ 0.50% · 4.625%
HK$57,570
+HK$2,883/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$109,374/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$795,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,965
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,706
−HK$1,769/mo
Today · 4.125%
HK$59,475
baseline
▲ 0.50% · 4.625%
HK$63,094
+HK$3,619/mo
Deposit HK$8.18M · loan HK$12.27M · min. income ≈ HK$118,950/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$795,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,261
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,930
−HK$1,694/mo
Today · 4.125%
HK$65,624
baseline
▲ 0.50% · 4.625%
HK$69,084
+HK$3,460/mo
Deposit HK$8.18M · loan HK$12.27M · min. income ≈ HK$131,248/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$795,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,293
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$67,324
−HK$2,063/mo
Today · 4.125%
HK$69,387
baseline
▲ 0.50% · 4.625%
HK$73,609
+HK$4,222/mo
Deposit HK$6.14M · loan HK$14.32M · min. income ≈ HK$138,774/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$795,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,637
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,586
−HK$1,976/mo
Today · 4.125%
HK$76,562
baseline
▲ 0.50% · 4.625%
HK$80,597
+HK$4,035/mo
Deposit HK$6.14M · loan HK$14.32M · min. income ≈ HK$153,124/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$795,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,948
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$86,559
−HK$2,653/mo
Today · 4.125%
HK$89,212
baseline
▲ 0.50% · 4.625%
HK$94,640
+HK$5,428/mo
Deposit HK$2.05M · loan HK$18.41M · min. income ≈ HK$178,424/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$795,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,391
−HK$5,046/mo
▼ 0.25% · 3.875%
HK$95,896
−HK$2,541/mo
Today · 4.125%
HK$98,437
baseline
▲ 0.50% · 4.625%
HK$103,625
+HK$5,188/mo
Deposit HK$2.05M · loan HK$18.41M · min. income ≈ HK$196,874/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$795,280 · Scale 2, in force from 26 Feb 2026)