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$46,608
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,057
−HK$1,473/mo
Today · 4.125%
HK$49,530
baseline
▲ 0.50% · 4.625%
HK$52,544
+HK$3,014/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$99,060/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$793,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,851
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$53,241
−HK$1,411/mo
Today · 4.125%
HK$54,652
baseline
▲ 0.50% · 4.625%
HK$57,533
+HK$2,881/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$109,304/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$793,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,929
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$57,669
−HK$1,767/mo
Today · 4.125%
HK$59,436
baseline
▲ 0.50% · 4.625%
HK$63,053
+HK$3,617/mo
Deposit HK$8.18M · loan HK$12.26M · min. income ≈ HK$118,872/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$793,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,221
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,889
−HK$1,693/mo
Today · 4.125%
HK$65,582
baseline
▲ 0.50% · 4.625%
HK$69,039
+HK$3,457/mo
Deposit HK$8.18M · loan HK$12.26M · min. income ≈ HK$131,164/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$793,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,251
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$67,280
−HK$2,062/mo
Today · 4.125%
HK$69,342
baseline
▲ 0.50% · 4.625%
HK$73,562
+HK$4,220/mo
Deposit HK$6.13M · loan HK$14.31M · min. income ≈ HK$138,684/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$793,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,591
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$74,538
−HK$1,975/mo
Today · 4.125%
HK$76,513
baseline
▲ 0.50% · 4.625%
HK$80,546
+HK$4,033/mo
Deposit HK$6.13M · loan HK$14.31M · min. income ≈ HK$153,026/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$793,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,894
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$86,503
−HK$2,652/mo
Today · 4.125%
HK$89,155
baseline
▲ 0.50% · 4.625%
HK$94,579
+HK$5,424/mo
Deposit HK$2.04M · loan HK$18.40M · min. income ≈ HK$178,310/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$793,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,331
−HK$5,042/mo
▼ 0.25% · 3.875%
HK$95,834
−HK$2,539/mo
Today · 4.125%
HK$98,373
baseline
▲ 0.50% · 4.625%
HK$103,559
+HK$5,186/mo
Deposit HK$2.04M · loan HK$18.40M · min. income ≈ HK$196,746/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$793,965 · Scale 2, in force from 26 Feb 2026)