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$46,606
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$48,056
−HK$1,473/mo
Today · 4.125%
HK$49,529
baseline
▲ 0.50% · 4.625%
HK$52,543
+HK$3,014/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$99,058/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$793,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,849
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$53,240
−HK$1,410/mo
Today · 4.125%
HK$54,650
baseline
▲ 0.50% · 4.625%
HK$57,531
+HK$2,881/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$109,300/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$793,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,928
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$57,667
−HK$1,768/mo
Today · 4.125%
HK$59,435
baseline
▲ 0.50% · 4.625%
HK$63,051
+HK$3,616/mo
Deposit HK$8.18M · loan HK$12.26M · min. income ≈ HK$118,870/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$793,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,219
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,888
−HK$1,692/mo
Today · 4.125%
HK$65,580
baseline
▲ 0.50% · 4.625%
HK$69,037
+HK$3,457/mo
Deposit HK$8.18M · loan HK$12.26M · min. income ≈ HK$131,160/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$793,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,249
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$67,278
−HK$2,063/mo
Today · 4.125%
HK$69,341
baseline
▲ 0.50% · 4.625%
HK$73,560
+HK$4,219/mo
Deposit HK$6.13M · loan HK$14.31M · min. income ≈ HK$138,682/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$793,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,589
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$74,535
−HK$1,975/mo
Today · 4.125%
HK$76,510
baseline
▲ 0.50% · 4.625%
HK$80,543
+HK$4,033/mo
Deposit HK$6.13M · loan HK$14.31M · min. income ≈ HK$153,020/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$793,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,891
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$86,501
−HK$2,651/mo
Today · 4.125%
HK$89,152
baseline
▲ 0.50% · 4.625%
HK$94,577
+HK$5,425/mo
Deposit HK$2.04M · loan HK$18.40M · min. income ≈ HK$178,304/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$793,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,328
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$95,831
−HK$2,540/mo
Today · 4.125%
HK$98,371
baseline
▲ 0.50% · 4.625%
HK$103,556
+HK$5,185/mo
Deposit HK$2.04M · loan HK$18.40M · min. income ≈ HK$196,742/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$793,907 · Scale 2, in force from 26 Feb 2026)