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$46,567
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,015
−HK$1,472/mo
Today · 4.125%
HK$49,487
baseline
▲ 0.50% · 4.625%
HK$52,498
+HK$3,011/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$98,974/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$792,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,805
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,195
−HK$1,409/mo
Today · 4.125%
HK$54,604
baseline
▲ 0.50% · 4.625%
HK$57,482
+HK$2,878/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$109,208/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$792,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,880
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,618
−HK$1,766/mo
Today · 4.125%
HK$59,384
baseline
▲ 0.50% · 4.625%
HK$62,998
+HK$3,614/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$118,768/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$792,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,166
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,833
−HK$1,692/mo
Today · 4.125%
HK$65,525
baseline
▲ 0.50% · 4.625%
HK$68,979
+HK$3,454/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$131,050/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$792,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,194
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$67,221
−HK$2,061/mo
Today · 4.125%
HK$69,282
baseline
▲ 0.50% · 4.625%
HK$73,497
+HK$4,215/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$138,564/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$792,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,527
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$74,472
−HK$1,974/mo
Today · 4.125%
HK$76,446
baseline
▲ 0.50% · 4.625%
HK$80,475
+HK$4,029/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$152,892/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$792,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,820
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$86,428
−HK$2,649/mo
Today · 4.125%
HK$89,077
baseline
▲ 0.50% · 4.625%
HK$94,497
+HK$5,420/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$178,154/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$792,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,249
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$95,750
−HK$2,537/mo
Today · 4.125%
HK$98,287
baseline
▲ 0.50% · 4.625%
HK$103,468
+HK$5,181/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$196,574/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$792,176 · Scale 2, in force from 26 Feb 2026)