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$46,550
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$47,998
−HK$1,471/mo
Today · 4.125%
HK$49,469
baseline
▲ 0.50% · 4.625%
HK$52,479
+HK$3,010/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$98,938/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$791,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,786
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$53,175
−HK$1,409/mo
Today · 4.125%
HK$54,584
baseline
▲ 0.50% · 4.625%
HK$57,461
+HK$2,877/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$109,168/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$791,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,860
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$57,597
−HK$1,766/mo
Today · 4.125%
HK$59,363
baseline
▲ 0.50% · 4.625%
HK$62,975
+HK$3,612/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$118,726/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$791,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,144
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$63,810
−HK$1,691/mo
Today · 4.125%
HK$65,501
baseline
▲ 0.50% · 4.625%
HK$68,954
+HK$3,453/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$131,002/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$791,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,170
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$67,197
−HK$2,060/mo
Today · 4.125%
HK$69,257
baseline
▲ 0.50% · 4.625%
HK$73,471
+HK$4,214/mo
Deposit HK$6.12M · loan HK$14.29M · min. income ≈ HK$138,514/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$791,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,501
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$74,445
−HK$1,973/mo
Today · 4.125%
HK$76,418
baseline
▲ 0.50% · 4.625%
HK$80,446
+HK$4,028/mo
Deposit HK$6.12M · loan HK$14.29M · min. income ≈ HK$152,836/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$791,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,790
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$86,396
−HK$2,648/mo
Today · 4.125%
HK$89,044
baseline
▲ 0.50% · 4.625%
HK$94,462
+HK$5,418/mo
Deposit HK$2.04M · loan HK$18.37M · min. income ≈ HK$178,088/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$791,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,215
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$95,715
−HK$2,537/mo
Today · 4.125%
HK$98,252
baseline
▲ 0.50% · 4.625%
HK$103,430
+HK$5,178/mo
Deposit HK$2.04M · loan HK$18.37M · min. income ≈ HK$196,504/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$791,434 · Scale 2, in force from 26 Feb 2026)