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$46,562
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,011
−HK$1,471/mo
Today · 4.125%
HK$49,482
baseline
▲ 0.50% · 4.625%
HK$52,493
+HK$3,011/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$98,964/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$791,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,800
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,189
−HK$1,410/mo
Today · 4.125%
HK$54,599
baseline
▲ 0.50% · 4.625%
HK$57,477
+HK$2,878/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$109,198/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$791,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,875
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,613
−HK$1,766/mo
Today · 4.125%
HK$59,379
baseline
▲ 0.50% · 4.625%
HK$62,992
+HK$3,613/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$118,758/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$791,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,160
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,827
−HK$1,691/mo
Today · 4.125%
HK$65,518
baseline
▲ 0.50% · 4.625%
HK$68,972
+HK$3,454/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$131,036/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$791,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,187
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$67,215
−HK$2,060/mo
Today · 4.125%
HK$69,275
baseline
▲ 0.50% · 4.625%
HK$73,490
+HK$4,215/mo
Deposit HK$6.13M · loan HK$14.29M · min. income ≈ HK$138,550/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$791,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,520
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$74,465
−HK$1,973/mo
Today · 4.125%
HK$76,438
baseline
▲ 0.50% · 4.625%
HK$80,467
+HK$4,029/mo
Deposit HK$6.13M · loan HK$14.29M · min. income ≈ HK$152,876/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$791,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,812
−HK$5,256/mo
▼ 0.25% · 3.875%
HK$86,419
−HK$2,649/mo
Today · 4.125%
HK$89,068
baseline
▲ 0.50% · 4.625%
HK$94,487
+HK$5,419/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$178,136/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$791,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,240
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$95,741
−HK$2,536/mo
Today · 4.125%
HK$98,277
baseline
▲ 0.50% · 4.625%
HK$103,458
+HK$5,181/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$196,554/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$791,973 · Scale 2, in force from 26 Feb 2026)