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$46,601
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$48,051
−HK$1,473/mo
Today · 4.125%
HK$49,524
baseline
▲ 0.50% · 4.625%
HK$52,537
+HK$3,013/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$99,048/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$793,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,844
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,234
−HK$1,410/mo
Today · 4.125%
HK$54,644
baseline
▲ 0.50% · 4.625%
HK$57,525
+HK$2,881/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$109,288/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$793,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,922
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$57,661
−HK$1,767/mo
Today · 4.125%
HK$59,428
baseline
▲ 0.50% · 4.625%
HK$63,044
+HK$3,616/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$118,856/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$793,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,212
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,881
−HK$1,692/mo
Today · 4.125%
HK$65,573
baseline
▲ 0.50% · 4.625%
HK$69,030
+HK$3,457/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$131,146/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$793,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,242
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$67,271
−HK$2,062/mo
Today · 4.125%
HK$69,333
baseline
▲ 0.50% · 4.625%
HK$73,552
+HK$4,219/mo
Deposit HK$6.13M · loan HK$14.31M · min. income ≈ HK$138,666/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$793,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,581
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$74,527
−HK$1,975/mo
Today · 4.125%
HK$76,502
baseline
▲ 0.50% · 4.625%
HK$80,535
+HK$4,033/mo
Deposit HK$6.13M · loan HK$14.31M · min. income ≈ HK$153,004/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$793,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,882
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$86,492
−HK$2,651/mo
Today · 4.125%
HK$89,143
baseline
▲ 0.50% · 4.625%
HK$94,567
+HK$5,424/mo
Deposit HK$2.04M · loan HK$18.39M · min. income ≈ HK$178,286/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$793,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,318
−HK$5,042/mo
▼ 0.25% · 3.875%
HK$95,821
−HK$2,539/mo
Today · 4.125%
HK$98,360
baseline
▲ 0.50% · 4.625%
HK$103,545
+HK$5,185/mo
Deposit HK$2.04M · loan HK$18.39M · min. income ≈ HK$196,720/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$793,689 · Scale 2, in force from 26 Feb 2026)