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$46,598
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,048
−HK$1,472/mo
Today · 4.125%
HK$49,520
baseline
▲ 0.50% · 4.625%
HK$52,534
+HK$3,014/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$99,040/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$793,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,840
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$53,230
−HK$1,411/mo
Today · 4.125%
HK$54,641
baseline
▲ 0.50% · 4.625%
HK$57,521
+HK$2,880/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$109,282/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$793,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,918
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$57,657
−HK$1,767/mo
Today · 4.125%
HK$59,424
baseline
▲ 0.50% · 4.625%
HK$63,040
+HK$3,616/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$118,848/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$793,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,208
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,876
−HK$1,693/mo
Today · 4.125%
HK$65,569
baseline
▲ 0.50% · 4.625%
HK$69,025
+HK$3,456/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$131,138/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$793,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,238
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$67,267
−HK$2,061/mo
Today · 4.125%
HK$69,328
baseline
▲ 0.50% · 4.625%
HK$73,547
+HK$4,219/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$138,656/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$793,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,576
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$74,523
−HK$1,974/mo
Today · 4.125%
HK$76,497
baseline
▲ 0.50% · 4.625%
HK$80,529
+HK$4,032/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$152,994/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$793,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,877
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$86,486
−HK$2,651/mo
Today · 4.125%
HK$89,137
baseline
▲ 0.50% · 4.625%
HK$94,560
+HK$5,423/mo
Deposit HK$2.04M · loan HK$18.39M · min. income ≈ HK$178,274/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$793,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,312
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$95,815
−HK$2,538/mo
Today · 4.125%
HK$98,353
baseline
▲ 0.50% · 4.625%
HK$103,538
+HK$5,185/mo
Deposit HK$2.04M · loan HK$18.39M · min. income ≈ HK$196,706/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$793,552 · Scale 2, in force from 26 Feb 2026)