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$46,699
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,151
−HK$1,476/mo
Today · 4.125%
HK$49,627
baseline
▲ 0.50% · 4.625%
HK$52,647
+HK$3,020/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$99,254/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$797,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,952
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$53,345
−HK$1,414/mo
Today · 4.125%
HK$54,759
baseline
▲ 0.50% · 4.625%
HK$57,645
+HK$2,886/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$109,518/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$797,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,039
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$57,782
−HK$1,771/mo
Today · 4.125%
HK$59,553
baseline
▲ 0.50% · 4.625%
HK$63,176
+HK$3,623/mo
Deposit HK$8.19M · loan HK$12.29M · min. income ≈ HK$119,106/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$797,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,342
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$64,014
−HK$1,697/mo
Today · 4.125%
HK$65,711
baseline
▲ 0.50% · 4.625%
HK$69,174
+HK$3,463/mo
Deposit HK$8.19M · loan HK$12.29M · min. income ≈ HK$131,422/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$797,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,378
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$67,412
−HK$2,066/mo
Today · 4.125%
HK$69,478
baseline
▲ 0.50% · 4.625%
HK$73,706
+HK$4,228/mo
Deposit HK$6.14M · loan HK$14.34M · min. income ≈ HK$138,956/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$797,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,733
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$74,684
−HK$1,978/mo
Today · 4.125%
HK$76,662
baseline
▲ 0.50% · 4.625%
HK$80,703
+HK$4,041/mo
Deposit HK$6.14M · loan HK$14.34M · min. income ≈ HK$153,324/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$797,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,058
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$86,673
−HK$2,656/mo
Today · 4.125%
HK$89,329
baseline
▲ 0.50% · 4.625%
HK$94,765
+HK$5,436/mo
Deposit HK$2.05M · loan HK$18.43M · min. income ≈ HK$178,658/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$797,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,514
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$96,022
−HK$2,544/mo
Today · 4.125%
HK$98,566
baseline
▲ 0.50% · 4.625%
HK$103,762
+HK$5,196/mo
Deposit HK$2.05M · loan HK$18.43M · min. income ≈ HK$197,132/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$797,967 · Scale 2, in force from 26 Feb 2026)