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$46,568
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,017
−HK$1,471/mo
Today · 4.125%
HK$49,488
baseline
▲ 0.50% · 4.625%
HK$52,500
+HK$3,012/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$98,976/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$792,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,807
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,196
−HK$1,410/mo
Today · 4.125%
HK$54,606
baseline
▲ 0.50% · 4.625%
HK$57,484
+HK$2,878/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$109,212/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$792,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,882
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,620
−HK$1,766/mo
Today · 4.125%
HK$59,386
baseline
▲ 0.50% · 4.625%
HK$63,000
+HK$3,614/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$118,772/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$792,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,168
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,835
−HK$1,692/mo
Today · 4.125%
HK$65,527
baseline
▲ 0.50% · 4.625%
HK$68,981
+HK$3,454/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$131,054/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$792,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,195
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$67,223
−HK$2,061/mo
Today · 4.125%
HK$69,284
baseline
▲ 0.50% · 4.625%
HK$73,499
+HK$4,215/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$138,568/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$792,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,529
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$74,474
−HK$1,974/mo
Today · 4.125%
HK$76,448
baseline
▲ 0.50% · 4.625%
HK$80,477
+HK$4,029/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$152,896/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$792,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,823
−HK$5,256/mo
▼ 0.25% · 3.875%
HK$86,430
−HK$2,649/mo
Today · 4.125%
HK$89,079
baseline
▲ 0.50% · 4.625%
HK$94,499
+HK$5,420/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$178,158/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$792,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,252
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$95,753
−HK$2,537/mo
Today · 4.125%
HK$98,290
baseline
▲ 0.50% · 4.625%
HK$103,471
+HK$5,181/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$196,580/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$792,232 · Scale 2, in force from 26 Feb 2026)