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$46,582
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$48,031
−HK$1,472/mo
Today · 4.125%
HK$49,503
baseline
▲ 0.50% · 4.625%
HK$52,515
+HK$3,012/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$99,006/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$792,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,822
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,212
−HK$1,409/mo
Today · 4.125%
HK$54,621
baseline
▲ 0.50% · 4.625%
HK$57,501
+HK$2,880/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$109,242/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$792,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,898
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,637
−HK$1,766/mo
Today · 4.125%
HK$59,403
baseline
▲ 0.50% · 4.625%
HK$63,018
+HK$3,615/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$118,806/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$792,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,186
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$63,854
−HK$1,692/mo
Today · 4.125%
HK$65,546
baseline
▲ 0.50% · 4.625%
HK$69,001
+HK$3,455/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$131,092/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$792,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,214
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$67,243
−HK$2,061/mo
Today · 4.125%
HK$69,304
baseline
▲ 0.50% · 4.625%
HK$73,521
+HK$4,217/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$138,608/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$792,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,550
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$74,496
−HK$1,974/mo
Today · 4.125%
HK$76,470
baseline
▲ 0.50% · 4.625%
HK$80,501
+HK$4,031/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$152,940/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$792,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,847
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$86,455
−HK$2,650/mo
Today · 4.125%
HK$89,105
baseline
▲ 0.50% · 4.625%
HK$94,527
+HK$5,422/mo
Deposit HK$2.04M · loan HK$18.39M · min. income ≈ HK$178,210/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$792,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,279
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$95,781
−HK$2,538/mo
Today · 4.125%
HK$98,319
baseline
▲ 0.50% · 4.625%
HK$103,501
+HK$5,182/mo
Deposit HK$2.04M · loan HK$18.39M · min. income ≈ HK$196,638/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$792,829 · Scale 2, in force from 26 Feb 2026)