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$46,573
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$48,022
−HK$1,472/mo
Today · 4.125%
HK$49,494
baseline
▲ 0.50% · 4.625%
HK$52,506
+HK$3,012/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$98,988/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$792,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,812
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,202
−HK$1,410/mo
Today · 4.125%
HK$54,612
baseline
▲ 0.50% · 4.625%
HK$57,490
+HK$2,878/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$109,224/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$792,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,888
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,627
−HK$1,766/mo
Today · 4.125%
HK$59,393
baseline
▲ 0.50% · 4.625%
HK$63,007
+HK$3,614/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$118,786/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$792,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,175
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,842
−HK$1,692/mo
Today · 4.125%
HK$65,534
baseline
▲ 0.50% · 4.625%
HK$68,988
+HK$3,454/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$131,068/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$792,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,203
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$67,231
−HK$2,061/mo
Today · 4.125%
HK$69,292
baseline
▲ 0.50% · 4.625%
HK$73,508
+HK$4,216/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$138,584/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$792,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,537
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$74,483
−HK$1,973/mo
Today · 4.125%
HK$76,456
baseline
▲ 0.50% · 4.625%
HK$80,487
+HK$4,031/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$152,912/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$792,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,832
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$86,440
−HK$2,649/mo
Today · 4.125%
HK$89,089
baseline
▲ 0.50% · 4.625%
HK$94,510
+HK$5,421/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$178,178/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$792,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,262
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$95,764
−HK$2,537/mo
Today · 4.125%
HK$98,301
baseline
▲ 0.50% · 4.625%
HK$103,483
+HK$5,182/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$196,602/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$792,464 · Scale 2, in force from 26 Feb 2026)