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$46,602
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,052
−HK$1,472/mo
Today · 4.125%
HK$49,524
baseline
▲ 0.50% · 4.625%
HK$52,538
+HK$3,014/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$99,048/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$793,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,844
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$53,235
−HK$1,410/mo
Today · 4.125%
HK$54,645
baseline
▲ 0.50% · 4.625%
HK$57,526
+HK$2,881/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$109,290/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$793,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,922
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$57,662
−HK$1,767/mo
Today · 4.125%
HK$59,429
baseline
▲ 0.50% · 4.625%
HK$63,045
+HK$3,616/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$118,858/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$793,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,213
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,882
−HK$1,692/mo
Today · 4.125%
HK$65,574
baseline
▲ 0.50% · 4.625%
HK$69,031
+HK$3,457/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$131,148/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$793,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,243
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$67,272
−HK$2,062/mo
Today · 4.125%
HK$69,334
baseline
▲ 0.50% · 4.625%
HK$73,553
+HK$4,219/mo
Deposit HK$6.13M · loan HK$14.31M · min. income ≈ HK$138,668/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$793,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,582
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$74,529
−HK$1,974/mo
Today · 4.125%
HK$76,503
baseline
▲ 0.50% · 4.625%
HK$80,536
+HK$4,033/mo
Deposit HK$6.13M · loan HK$14.31M · min. income ≈ HK$153,006/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$793,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,884
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$86,493
−HK$2,651/mo
Today · 4.125%
HK$89,144
baseline
▲ 0.50% · 4.625%
HK$94,568
+HK$5,424/mo
Deposit HK$2.04M · loan HK$18.39M · min. income ≈ HK$178,288/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$793,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,320
−HK$5,042/mo
▼ 0.25% · 3.875%
HK$95,823
−HK$2,539/mo
Today · 4.125%
HK$98,362
baseline
▲ 0.50% · 4.625%
HK$103,546
+HK$5,184/mo
Deposit HK$2.04M · loan HK$18.39M · min. income ≈ HK$196,724/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$793,721 · Scale 2, in force from 26 Feb 2026)