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$46,575
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$48,024
−HK$1,472/mo
Today · 4.125%
HK$49,496
baseline
▲ 0.50% · 4.625%
HK$52,508
+HK$3,012/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$98,992/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$792,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,815
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,204
−HK$1,410/mo
Today · 4.125%
HK$54,614
baseline
▲ 0.50% · 4.625%
HK$57,493
+HK$2,879/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$109,228/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$792,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,890
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,629
−HK$1,766/mo
Today · 4.125%
HK$59,395
baseline
▲ 0.50% · 4.625%
HK$63,009
+HK$3,614/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$118,790/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$792,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,177
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$63,845
−HK$1,692/mo
Today · 4.125%
HK$65,537
baseline
▲ 0.50% · 4.625%
HK$68,991
+HK$3,454/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$131,074/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$792,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,205
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$67,234
−HK$2,060/mo
Today · 4.125%
HK$69,294
baseline
▲ 0.50% · 4.625%
HK$73,511
+HK$4,217/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$138,588/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$792,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,540
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$74,486
−HK$1,973/mo
Today · 4.125%
HK$76,459
baseline
▲ 0.50% · 4.625%
HK$80,490
+HK$4,031/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$152,918/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$792,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,836
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$86,443
−HK$2,650/mo
Today · 4.125%
HK$89,093
baseline
▲ 0.50% · 4.625%
HK$94,514
+HK$5,421/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$178,186/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$792,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,266
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$95,768
−HK$2,537/mo
Today · 4.125%
HK$98,305
baseline
▲ 0.50% · 4.625%
HK$103,487
+HK$5,182/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$196,610/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$792,547 · Scale 2, in force from 26 Feb 2026)