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$46,592
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$48,041
−HK$1,472/mo
Today · 4.125%
HK$49,513
baseline
▲ 0.50% · 4.625%
HK$52,526
+HK$3,013/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$99,026/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$793,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,833
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,223
−HK$1,410/mo
Today · 4.125%
HK$54,633
baseline
▲ 0.50% · 4.625%
HK$57,513
+HK$2,880/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$109,266/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$793,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,910
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$57,649
−HK$1,767/mo
Today · 4.125%
HK$59,416
baseline
▲ 0.50% · 4.625%
HK$63,031
+HK$3,615/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$118,832/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$793,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,199
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,868
−HK$1,692/mo
Today · 4.125%
HK$65,560
baseline
▲ 0.50% · 4.625%
HK$69,016
+HK$3,456/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$131,120/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$793,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,228
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$67,257
−HK$2,062/mo
Today · 4.125%
HK$69,319
baseline
▲ 0.50% · 4.625%
HK$73,537
+HK$4,218/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$138,638/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$793,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,566
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$74,512
−HK$1,974/mo
Today · 4.125%
HK$76,486
baseline
▲ 0.50% · 4.625%
HK$80,518
+HK$4,032/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$152,972/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$793,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,865
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$86,474
−HK$2,650/mo
Today · 4.125%
HK$89,124
baseline
▲ 0.50% · 4.625%
HK$94,547
+HK$5,423/mo
Deposit HK$2.04M · loan HK$18.39M · min. income ≈ HK$178,248/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$793,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,299
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$95,801
−HK$2,539/mo
Today · 4.125%
HK$98,340
baseline
▲ 0.50% · 4.625%
HK$103,523
+HK$5,183/mo
Deposit HK$2.04M · loan HK$18.39M · min. income ≈ HK$196,680/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$793,268 · Scale 2, in force from 26 Feb 2026)