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$46,545
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$47,992
−HK$1,471/mo
Today · 4.125%
HK$49,463
baseline
▲ 0.50% · 4.625%
HK$52,473
+HK$3,010/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$98,926/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$791,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,780
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$53,169
−HK$1,409/mo
Today · 4.125%
HK$54,578
baseline
▲ 0.50% · 4.625%
HK$57,455
+HK$2,877/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$109,156/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$791,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,853
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$57,591
−HK$1,765/mo
Today · 4.125%
HK$59,356
baseline
▲ 0.50% · 4.625%
HK$62,968
+HK$3,612/mo
Deposit HK$8.16M · loan HK$12.25M · min. income ≈ HK$118,712/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$791,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,136
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$63,803
−HK$1,690/mo
Today · 4.125%
HK$65,493
baseline
▲ 0.50% · 4.625%
HK$68,946
+HK$3,453/mo
Deposit HK$8.16M · loan HK$12.25M · min. income ≈ HK$130,986/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$791,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,162
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$67,189
−HK$2,060/mo
Today · 4.125%
HK$69,249
baseline
▲ 0.50% · 4.625%
HK$73,462
+HK$4,213/mo
Deposit HK$6.12M · loan HK$14.29M · min. income ≈ HK$138,498/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$791,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,492
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$74,437
−HK$1,972/mo
Today · 4.125%
HK$76,409
baseline
▲ 0.50% · 4.625%
HK$80,437
+HK$4,028/mo
Deposit HK$6.12M · loan HK$14.29M · min. income ≈ HK$152,818/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$791,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,780
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$86,386
−HK$2,648/mo
Today · 4.125%
HK$89,034
baseline
▲ 0.50% · 4.625%
HK$94,451
+HK$5,417/mo
Deposit HK$2.04M · loan HK$18.37M · min. income ≈ HK$178,068/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$791,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,205
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$95,704
−HK$2,536/mo
Today · 4.125%
HK$98,240
baseline
▲ 0.50% · 4.625%
HK$103,418
+HK$5,178/mo
Deposit HK$2.04M · loan HK$18.37M · min. income ≈ HK$196,480/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$791,197 · Scale 2, in force from 26 Feb 2026)