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$46,612
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$48,062
−HK$1,473/mo
Today · 4.125%
HK$49,535
baseline
▲ 0.50% · 4.625%
HK$52,549
+HK$3,014/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$99,070/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$794,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,855
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,246
−HK$1,411/mo
Today · 4.125%
HK$54,657
baseline
▲ 0.50% · 4.625%
HK$57,538
+HK$2,881/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$109,314/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$794,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,934
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$57,674
−HK$1,768/mo
Today · 4.125%
HK$59,442
baseline
▲ 0.50% · 4.625%
HK$63,059
+HK$3,617/mo
Deposit HK$8.18M · loan HK$12.26M · min. income ≈ HK$118,884/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$794,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,226
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$63,895
−HK$1,693/mo
Today · 4.125%
HK$65,588
baseline
▲ 0.50% · 4.625%
HK$69,045
+HK$3,457/mo
Deposit HK$8.18M · loan HK$12.26M · min. income ≈ HK$131,176/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$794,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,257
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$67,286
−HK$2,063/mo
Today · 4.125%
HK$69,349
baseline
▲ 0.50% · 4.625%
HK$73,568
+HK$4,219/mo
Deposit HK$6.13M · loan HK$14.31M · min. income ≈ HK$138,698/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$794,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,597
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$74,544
−HK$1,975/mo
Today · 4.125%
HK$76,519
baseline
▲ 0.50% · 4.625%
HK$80,553
+HK$4,034/mo
Deposit HK$6.13M · loan HK$14.31M · min. income ≈ HK$153,038/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$794,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,901
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$86,511
−HK$2,652/mo
Today · 4.125%
HK$89,163
baseline
▲ 0.50% · 4.625%
HK$94,588
+HK$5,425/mo
Deposit HK$2.04M · loan HK$18.40M · min. income ≈ HK$178,326/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$794,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,339
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$95,843
−HK$2,539/mo
Today · 4.125%
HK$98,382
baseline
▲ 0.50% · 4.625%
HK$103,568
+HK$5,186/mo
Deposit HK$2.04M · loan HK$18.40M · min. income ≈ HK$196,764/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$794,148 · Scale 2, in force from 26 Feb 2026)