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$46,615
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$48,065
−HK$1,473/mo
Today · 4.125%
HK$49,538
baseline
▲ 0.50% · 4.625%
HK$52,552
+HK$3,014/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$99,076/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$794,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,859
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$53,249
−HK$1,411/mo
Today · 4.125%
HK$54,660
baseline
▲ 0.50% · 4.625%
HK$57,542
+HK$2,882/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$109,320/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$794,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,938
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$57,678
−HK$1,768/mo
Today · 4.125%
HK$59,446
baseline
▲ 0.50% · 4.625%
HK$63,063
+HK$3,617/mo
Deposit HK$8.18M · loan HK$12.27M · min. income ≈ HK$118,892/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$794,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,230
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$63,899
−HK$1,693/mo
Today · 4.125%
HK$65,592
baseline
▲ 0.50% · 4.625%
HK$69,050
+HK$3,458/mo
Deposit HK$8.18M · loan HK$12.27M · min. income ≈ HK$131,184/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$794,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,261
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$67,291
−HK$2,062/mo
Today · 4.125%
HK$69,353
baseline
▲ 0.50% · 4.625%
HK$73,573
+HK$4,220/mo
Deposit HK$6.13M · loan HK$14.31M · min. income ≈ HK$138,706/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$794,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,602
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$74,549
−HK$1,976/mo
Today · 4.125%
HK$76,525
baseline
▲ 0.50% · 4.625%
HK$80,558
+HK$4,033/mo
Deposit HK$6.13M · loan HK$14.31M · min. income ≈ HK$153,050/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$794,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,907
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$86,517
−HK$2,652/mo
Today · 4.125%
HK$89,169
baseline
▲ 0.50% · 4.625%
HK$94,594
+HK$5,425/mo
Deposit HK$2.04M · loan HK$18.40M · min. income ≈ HK$178,338/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$794,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,346
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$95,849
−HK$2,540/mo
Today · 4.125%
HK$98,389
baseline
▲ 0.50% · 4.625%
HK$103,575
+HK$5,186/mo
Deposit HK$2.04M · loan HK$18.40M · min. income ≈ HK$196,778/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$794,285 · Scale 2, in force from 26 Feb 2026)