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$46,546
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$47,994
−HK$1,471/mo
Today · 4.125%
HK$49,465
baseline
▲ 0.50% · 4.625%
HK$52,475
+HK$3,010/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$98,930/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$791,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,782
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$53,171
−HK$1,409/mo
Today · 4.125%
HK$54,580
baseline
▲ 0.50% · 4.625%
HK$57,457
+HK$2,877/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$109,160/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$791,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,856
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$57,593
−HK$1,765/mo
Today · 4.125%
HK$59,358
baseline
▲ 0.50% · 4.625%
HK$62,970
+HK$3,612/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$118,716/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$791,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,139
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$63,805
−HK$1,691/mo
Today · 4.125%
HK$65,496
baseline
▲ 0.50% · 4.625%
HK$68,948
+HK$3,452/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$130,992/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$791,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,165
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$67,192
−HK$2,059/mo
Today · 4.125%
HK$69,251
baseline
▲ 0.50% · 4.625%
HK$73,465
+HK$4,214/mo
Deposit HK$6.12M · loan HK$14.29M · min. income ≈ HK$138,502/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$791,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,495
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$74,440
−HK$1,972/mo
Today · 4.125%
HK$76,412
baseline
▲ 0.50% · 4.625%
HK$80,440
+HK$4,028/mo
Deposit HK$6.12M · loan HK$14.29M · min. income ≈ HK$152,824/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$791,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,784
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$86,390
−HK$2,648/mo
Today · 4.125%
HK$89,038
baseline
▲ 0.50% · 4.625%
HK$94,455
+HK$5,417/mo
Deposit HK$2.04M · loan HK$18.37M · min. income ≈ HK$178,076/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$791,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,208
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$95,708
−HK$2,536/mo
Today · 4.125%
HK$98,244
baseline
▲ 0.50% · 4.625%
HK$103,423
+HK$5,179/mo
Deposit HK$2.04M · loan HK$18.37M · min. income ≈ HK$196,488/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$791,280 · Scale 2, in force from 26 Feb 2026)