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$46,556
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$48,004
−HK$1,471/mo
Today · 4.125%
HK$49,475
baseline
▲ 0.50% · 4.625%
HK$52,485
+HK$3,010/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$98,950/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$791,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,793
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$53,182
−HK$1,409/mo
Today · 4.125%
HK$54,591
baseline
▲ 0.50% · 4.625%
HK$57,468
+HK$2,877/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$109,182/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$791,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,867
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$57,604
−HK$1,766/mo
Today · 4.125%
HK$59,370
baseline
▲ 0.50% · 4.625%
HK$62,982
+HK$3,612/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$118,740/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$791,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,151
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,818
−HK$1,691/mo
Today · 4.125%
HK$65,509
baseline
▲ 0.50% · 4.625%
HK$68,962
+HK$3,453/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$131,018/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$791,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,178
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$67,205
−HK$2,060/mo
Today · 4.125%
HK$69,265
baseline
▲ 0.50% · 4.625%
HK$73,480
+HK$4,215/mo
Deposit HK$6.13M · loan HK$14.29M · min. income ≈ HK$138,530/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$791,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,510
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$74,454
−HK$1,973/mo
Today · 4.125%
HK$76,427
baseline
▲ 0.50% · 4.625%
HK$80,456
+HK$4,029/mo
Deposit HK$6.13M · loan HK$14.29M · min. income ≈ HK$152,854/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$791,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,800
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$86,407
−HK$2,648/mo
Today · 4.125%
HK$89,055
baseline
▲ 0.50% · 4.625%
HK$94,474
+HK$5,419/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$178,110/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$791,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,227
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$95,727
−HK$2,536/mo
Today · 4.125%
HK$98,263
baseline
▲ 0.50% · 4.625%
HK$103,443
+HK$5,180/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$196,526/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$791,679 · Scale 2, in force from 26 Feb 2026)