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$2,919/mo
▼ 0.25% · 3.875%
HK$47,993
−HK$1,471/mo
Today · 4.125%
HK$49,464
baseline
▲ 0.50% · 4.625%
HK$52,474
+HK$3,010/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$98,928/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$791,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,781
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$53,170
−HK$1,408/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$791,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,854
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$57,591
−HK$1,766/mo
Today · 4.125%
HK$59,357
baseline
▲ 0.50% · 4.625%
HK$62,968
+HK$3,611/mo
Deposit HK$8.16M · loan HK$12.25M · min. income ≈ HK$118,714/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$791,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,137
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$63,803
−HK$1,691/mo
Today · 4.125%
HK$65,494
baseline
▲ 0.50% · 4.625%
HK$68,946
+HK$3,452/mo
Deposit HK$8.16M · loan HK$12.25M · min. income ≈ HK$130,988/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$791,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,163
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$67,190
−HK$2,059/mo
Today · 4.125%
HK$69,249
baseline
▲ 0.50% · 4.625%
HK$73,463
+HK$4,214/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$791,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,493
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$74,437
−HK$1,973/mo
Today · 4.125%
HK$76,410
baseline
▲ 0.50% · 4.625%
HK$80,437
+HK$4,027/mo
Deposit HK$6.12M · loan HK$14.29M · min. income ≈ HK$152,820/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$791,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,781
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$86,387
−HK$2,648/mo
Today · 4.125%
HK$89,035
baseline
▲ 0.50% · 4.625%
HK$94,452
+HK$5,417/mo
Deposit HK$2.04M · loan HK$18.37M · min. income ≈ HK$178,070/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$791,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,205
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$95,705
−HK$2,536/mo
Today · 4.125%
HK$98,241
baseline
▲ 0.50% · 4.625%
HK$103,419
+HK$5,178/mo
Deposit HK$2.04M · loan HK$18.37M · min. income ≈ HK$196,482/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$791,217 · Scale 2, in force from 26 Feb 2026)