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$46,541
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$47,989
−HK$1,471/mo
Today · 4.125%
HK$49,460
baseline
▲ 0.50% · 4.625%
HK$52,469
+HK$3,009/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$98,920/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$791,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,777
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$53,165
−HK$1,409/mo
Today · 4.125%
HK$54,574
baseline
▲ 0.50% · 4.625%
HK$57,451
+HK$2,877/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$109,148/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$791,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,850
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$57,587
−HK$1,765/mo
Today · 4.125%
HK$59,352
baseline
▲ 0.50% · 4.625%
HK$62,963
+HK$3,611/mo
Deposit HK$8.16M · loan HK$12.25M · min. income ≈ HK$118,704/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$791,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,132
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$63,799
−HK$1,690/mo
Today · 4.125%
HK$65,489
baseline
▲ 0.50% · 4.625%
HK$68,941
+HK$3,452/mo
Deposit HK$8.16M · loan HK$12.25M · min. income ≈ HK$130,978/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$791,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,158
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$67,185
−HK$2,059/mo
Today · 4.125%
HK$69,244
baseline
▲ 0.50% · 4.625%
HK$73,457
+HK$4,213/mo
Deposit HK$6.12M · loan HK$14.29M · min. income ≈ HK$138,488/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$791,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,488
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$74,432
−HK$1,972/mo
Today · 4.125%
HK$76,404
baseline
▲ 0.50% · 4.625%
HK$80,431
+HK$4,027/mo
Deposit HK$6.12M · loan HK$14.29M · min. income ≈ HK$152,808/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$791,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,775
−HK$5,253/mo
▼ 0.25% · 3.875%
HK$86,380
−HK$2,648/mo
Today · 4.125%
HK$89,028
baseline
▲ 0.50% · 4.625%
HK$94,445
+HK$5,417/mo
Deposit HK$2.04M · loan HK$18.37M · min. income ≈ HK$178,056/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$791,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,198
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$95,698
−HK$2,536/mo
Today · 4.125%
HK$98,234
baseline
▲ 0.50% · 4.625%
HK$103,412
+HK$5,178/mo
Deposit HK$2.04M · loan HK$18.37M · min. income ≈ HK$196,468/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$791,060 · Scale 2, in force from 26 Feb 2026)