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$46,571
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,019
−HK$1,472/mo
Today · 4.125%
HK$49,491
baseline
▲ 0.50% · 4.625%
HK$52,502
+HK$3,011/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$98,982/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$792,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,809
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,199
−HK$1,409/mo
Today · 4.125%
HK$54,608
baseline
▲ 0.50% · 4.625%
HK$57,487
+HK$2,879/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$109,216/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$792,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,885
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,623
−HK$1,766/mo
Today · 4.125%
HK$59,389
baseline
▲ 0.50% · 4.625%
HK$63,003
+HK$3,614/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$118,778/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$792,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,171
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,839
−HK$1,691/mo
Today · 4.125%
HK$65,530
baseline
▲ 0.50% · 4.625%
HK$68,984
+HK$3,454/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$131,060/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$792,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,199
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$67,227
−HK$2,060/mo
Today · 4.125%
HK$69,287
baseline
▲ 0.50% · 4.625%
HK$73,503
+HK$4,216/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$138,574/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$792,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,533
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$74,478
−HK$1,974/mo
Today · 4.125%
HK$76,452
baseline
▲ 0.50% · 4.625%
HK$80,482
+HK$4,030/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$152,904/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$792,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,827
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$86,435
−HK$2,649/mo
Today · 4.125%
HK$89,084
baseline
▲ 0.50% · 4.625%
HK$94,504
+HK$5,420/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$178,168/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$792,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,257
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$95,758
−HK$2,537/mo
Today · 4.125%
HK$98,295
baseline
▲ 0.50% · 4.625%
HK$103,477
+HK$5,182/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$196,590/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$792,343 · Scale 2, in force from 26 Feb 2026)