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$46,566
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,015
−HK$1,471/mo
Today · 4.125%
HK$49,486
baseline
▲ 0.50% · 4.625%
HK$52,497
+HK$3,011/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$98,972/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$792,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,804
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,194
−HK$1,409/mo
Today · 4.125%
HK$54,603
baseline
▲ 0.50% · 4.625%
HK$57,481
+HK$2,878/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$109,206/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$792,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,879
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,618
−HK$1,765/mo
Today · 4.125%
HK$59,383
baseline
▲ 0.50% · 4.625%
HK$62,997
+HK$3,614/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$118,766/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$792,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,165
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,832
−HK$1,692/mo
Today · 4.125%
HK$65,524
baseline
▲ 0.50% · 4.625%
HK$68,978
+HK$3,454/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$131,048/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$792,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,193
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$67,220
−HK$2,061/mo
Today · 4.125%
HK$69,281
baseline
▲ 0.50% · 4.625%
HK$73,496
+HK$4,215/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$138,562/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$792,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,526
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$74,471
−HK$1,973/mo
Today · 4.125%
HK$76,444
baseline
▲ 0.50% · 4.625%
HK$80,474
+HK$4,030/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$152,888/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$792,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,819
−HK$5,256/mo
▼ 0.25% · 3.875%
HK$86,426
−HK$2,649/mo
Today · 4.125%
HK$89,075
baseline
▲ 0.50% · 4.625%
HK$94,495
+HK$5,420/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$178,150/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$792,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,248
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$95,749
−HK$2,537/mo
Today · 4.125%
HK$98,286
baseline
▲ 0.50% · 4.625%
HK$103,467
+HK$5,181/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$196,572/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$792,145 · Scale 2, in force from 26 Feb 2026)