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$46,637
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$48,088
−HK$1,474/mo
Today · 4.125%
HK$49,562
baseline
▲ 0.50% · 4.625%
HK$52,578
+HK$3,016/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$99,124/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$795,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,883
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$53,275
−HK$1,412/mo
Today · 4.125%
HK$54,687
baseline
▲ 0.50% · 4.625%
HK$57,569
+HK$2,882/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$109,374/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$795,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,965
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$57,705
−HK$1,769/mo
Today · 4.125%
HK$59,474
baseline
▲ 0.50% · 4.625%
HK$63,093
+HK$3,619/mo
Deposit HK$8.18M · loan HK$12.27M · min. income ≈ HK$118,948/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$795,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,260
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$63,930
−HK$1,694/mo
Today · 4.125%
HK$65,624
baseline
▲ 0.50% · 4.625%
HK$69,083
+HK$3,459/mo
Deposit HK$8.18M · loan HK$12.27M · min. income ≈ HK$131,248/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$795,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,292
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$67,323
−HK$2,064/mo
Today · 4.125%
HK$69,387
baseline
▲ 0.50% · 4.625%
HK$73,609
+HK$4,222/mo
Deposit HK$6.14M · loan HK$14.32M · min. income ≈ HK$138,774/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$795,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,637
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$74,585
−HK$1,976/mo
Today · 4.125%
HK$76,561
baseline
▲ 0.50% · 4.625%
HK$80,597
+HK$4,036/mo
Deposit HK$6.14M · loan HK$14.32M · min. income ≈ HK$153,122/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$795,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,947
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$86,558
−HK$2,653/mo
Today · 4.125%
HK$89,211
baseline
▲ 0.50% · 4.625%
HK$94,640
+HK$5,429/mo
Deposit HK$2.05M · loan HK$18.41M · min. income ≈ HK$178,422/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$795,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,390
−HK$5,046/mo
▼ 0.25% · 3.875%
HK$95,895
−HK$2,541/mo
Today · 4.125%
HK$98,436
baseline
▲ 0.50% · 4.625%
HK$103,624
+HK$5,188/mo
Deposit HK$2.05M · loan HK$18.41M · min. income ≈ HK$196,872/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$795,263 · Scale 2, in force from 26 Feb 2026)