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$46,589
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,039
−HK$1,472/mo
Today · 4.125%
HK$49,511
baseline
▲ 0.50% · 4.625%
HK$52,524
+HK$3,013/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$99,022/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$793,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,830
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$53,220
−HK$1,411/mo
Today · 4.125%
HK$54,631
baseline
▲ 0.50% · 4.625%
HK$57,510
+HK$2,879/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$109,262/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$793,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,907
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$57,646
−HK$1,767/mo
Today · 4.125%
HK$59,413
baseline
▲ 0.50% · 4.625%
HK$63,028
+HK$3,615/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$118,826/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$793,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,196
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,864
−HK$1,693/mo
Today · 4.125%
HK$65,557
baseline
▲ 0.50% · 4.625%
HK$69,012
+HK$3,455/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$131,114/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$793,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,225
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$67,254
−HK$2,061/mo
Today · 4.125%
HK$69,315
baseline
▲ 0.50% · 4.625%
HK$73,533
+HK$4,218/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$138,630/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$793,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,562
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$74,509
−HK$1,974/mo
Today · 4.125%
HK$76,483
baseline
▲ 0.50% · 4.625%
HK$80,514
+HK$4,031/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$152,966/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$793,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,861
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$86,470
−HK$2,650/mo
Today · 4.125%
HK$89,120
baseline
▲ 0.50% · 4.625%
HK$94,543
+HK$5,423/mo
Deposit HK$2.04M · loan HK$18.39M · min. income ≈ HK$178,240/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$793,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,295
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$95,797
−HK$2,538/mo
Today · 4.125%
HK$98,335
baseline
▲ 0.50% · 4.625%
HK$103,518
+HK$5,183/mo
Deposit HK$2.04M · loan HK$18.39M · min. income ≈ HK$196,670/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$793,169 · Scale 2, in force from 26 Feb 2026)