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$46,608
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$48,058
−HK$1,473/mo
Today · 4.125%
HK$49,531
baseline
▲ 0.50% · 4.625%
HK$52,545
+HK$3,014/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$99,062/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$793,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,851
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,242
−HK$1,411/mo
Today · 4.125%
HK$54,653
baseline
▲ 0.50% · 4.625%
HK$57,533
+HK$2,880/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$109,306/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$793,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,930
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$57,670
−HK$1,767/mo
Today · 4.125%
HK$59,437
baseline
▲ 0.50% · 4.625%
HK$63,054
+HK$3,617/mo
Deposit HK$8.18M · loan HK$12.26M · min. income ≈ HK$118,874/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$793,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,222
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,890
−HK$1,693/mo
Today · 4.125%
HK$65,583
baseline
▲ 0.50% · 4.625%
HK$69,040
+HK$3,457/mo
Deposit HK$8.18M · loan HK$12.26M · min. income ≈ HK$131,166/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$793,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,252
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$67,281
−HK$2,063/mo
Today · 4.125%
HK$69,344
baseline
▲ 0.50% · 4.625%
HK$73,563
+HK$4,219/mo
Deposit HK$6.13M · loan HK$14.31M · min. income ≈ HK$138,688/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$793,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,592
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$74,539
−HK$1,975/mo
Today · 4.125%
HK$76,514
baseline
▲ 0.50% · 4.625%
HK$80,547
+HK$4,033/mo
Deposit HK$6.13M · loan HK$14.31M · min. income ≈ HK$153,028/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$793,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,895
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$86,505
−HK$2,651/mo
Today · 4.125%
HK$89,156
baseline
▲ 0.50% · 4.625%
HK$94,581
+HK$5,425/mo
Deposit HK$2.04M · loan HK$18.40M · min. income ≈ HK$178,312/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$793,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,332
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$95,835
−HK$2,540/mo
Today · 4.125%
HK$98,375
baseline
▲ 0.50% · 4.625%
HK$103,560
+HK$5,185/mo
Deposit HK$2.04M · loan HK$18.40M · min. income ≈ HK$196,750/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$793,996 · Scale 2, in force from 26 Feb 2026)