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$46,557
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$48,005
−HK$1,471/mo
Today · 4.125%
HK$49,476
baseline
▲ 0.50% · 4.625%
HK$52,487
+HK$3,011/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$98,952/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$791,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,794
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$53,183
−HK$1,409/mo
Today · 4.125%
HK$54,592
baseline
▲ 0.50% · 4.625%
HK$57,470
+HK$2,878/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$109,184/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$791,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,868
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,606
−HK$1,766/mo
Today · 4.125%
HK$59,372
baseline
▲ 0.50% · 4.625%
HK$62,984
+HK$3,612/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$118,744/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$791,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,153
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,820
−HK$1,691/mo
Today · 4.125%
HK$65,511
baseline
▲ 0.50% · 4.625%
HK$68,964
+HK$3,453/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$131,022/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$791,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,180
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$67,207
−HK$2,060/mo
Today · 4.125%
HK$69,267
baseline
▲ 0.50% · 4.625%
HK$73,482
+HK$4,215/mo
Deposit HK$6.13M · loan HK$14.29M · min. income ≈ HK$138,534/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$791,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,512
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$74,456
−HK$1,973/mo
Today · 4.125%
HK$76,429
baseline
▲ 0.50% · 4.625%
HK$80,458
+HK$4,029/mo
Deposit HK$6.13M · loan HK$14.29M · min. income ≈ HK$152,858/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$791,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,802
−HK$5,256/mo
▼ 0.25% · 3.875%
HK$86,409
−HK$2,649/mo
Today · 4.125%
HK$89,058
baseline
▲ 0.50% · 4.625%
HK$94,476
+HK$5,418/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$178,116/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$791,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,229
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$95,730
−HK$2,536/mo
Today · 4.125%
HK$98,266
baseline
▲ 0.50% · 4.625%
HK$103,446
+HK$5,180/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$196,532/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$791,739 · Scale 2, in force from 26 Feb 2026)