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$46,570
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,018
−HK$1,472/mo
Today · 4.125%
HK$49,490
baseline
▲ 0.50% · 4.625%
HK$52,502
+HK$3,012/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$98,980/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$792,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,808
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,198
−HK$1,410/mo
Today · 4.125%
HK$54,608
baseline
▲ 0.50% · 4.625%
HK$57,486
+HK$2,878/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$109,216/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$792,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,884
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,622
−HK$1,766/mo
Today · 4.125%
HK$59,388
baseline
▲ 0.50% · 4.625%
HK$63,002
+HK$3,614/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$118,776/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$792,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,170
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,838
−HK$1,691/mo
Today · 4.125%
HK$65,529
baseline
▲ 0.50% · 4.625%
HK$68,983
+HK$3,454/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$131,058/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$792,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,198
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$67,226
−HK$2,060/mo
Today · 4.125%
HK$69,286
baseline
▲ 0.50% · 4.625%
HK$73,502
+HK$4,216/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$138,572/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$792,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,532
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$74,477
−HK$1,974/mo
Today · 4.125%
HK$76,451
baseline
▲ 0.50% · 4.625%
HK$80,480
+HK$4,029/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$152,902/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$792,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,826
−HK$5,256/mo
▼ 0.25% · 3.875%
HK$86,433
−HK$2,649/mo
Today · 4.125%
HK$89,082
baseline
▲ 0.50% · 4.625%
HK$94,503
+HK$5,421/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$178,164/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$792,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,255
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$95,756
−HK$2,538/mo
Today · 4.125%
HK$98,294
baseline
▲ 0.50% · 4.625%
HK$103,475
+HK$5,181/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$196,588/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$792,308 · Scale 2, in force from 26 Feb 2026)