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$46,578
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$48,027
−HK$1,472/mo
Today · 4.125%
HK$49,499
baseline
▲ 0.50% · 4.625%
HK$52,511
+HK$3,012/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$98,998/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$792,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,818
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,207
−HK$1,410/mo
Today · 4.125%
HK$54,617
baseline
▲ 0.50% · 4.625%
HK$57,496
+HK$2,879/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$109,234/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$792,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,894
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,632
−HK$1,767/mo
Today · 4.125%
HK$59,399
baseline
▲ 0.50% · 4.625%
HK$63,013
+HK$3,614/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$118,798/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$792,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,181
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$63,849
−HK$1,692/mo
Today · 4.125%
HK$65,541
baseline
▲ 0.50% · 4.625%
HK$68,995
+HK$3,454/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$131,082/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$792,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,209
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$67,238
−HK$2,060/mo
Today · 4.125%
HK$69,298
baseline
▲ 0.50% · 4.625%
HK$73,515
+HK$4,217/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$138,596/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$792,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,545
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$74,490
−HK$1,974/mo
Today · 4.125%
HK$76,464
baseline
▲ 0.50% · 4.625%
HK$80,495
+HK$4,031/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$152,928/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$792,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,840
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$86,448
−HK$2,650/mo
Today · 4.125%
HK$89,098
baseline
▲ 0.50% · 4.625%
HK$94,519
+HK$5,421/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$178,196/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$792,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,272
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$95,773
−HK$2,538/mo
Today · 4.125%
HK$98,311
baseline
▲ 0.50% · 4.625%
HK$103,493
+HK$5,182/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$196,622/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$792,667 · Scale 2, in force from 26 Feb 2026)