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$46,626
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,076
−HK$1,474/mo
Today · 4.125%
HK$49,550
baseline
▲ 0.50% · 4.625%
HK$52,565
+HK$3,015/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$99,100/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$794,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,871
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,262
−HK$1,411/mo
Today · 4.125%
HK$54,673
baseline
▲ 0.50% · 4.625%
HK$57,555
+HK$2,882/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$109,346/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$794,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,951
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$57,691
−HK$1,769/mo
Today · 4.125%
HK$59,460
baseline
▲ 0.50% · 4.625%
HK$63,078
+HK$3,618/mo
Deposit HK$8.18M · loan HK$12.27M · min. income ≈ HK$118,920/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$794,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,245
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,914
−HK$1,694/mo
Today · 4.125%
HK$65,608
baseline
▲ 0.50% · 4.625%
HK$69,066
+HK$3,458/mo
Deposit HK$8.18M · loan HK$12.27M · min. income ≈ HK$131,216/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$794,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,276
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$67,307
−HK$2,063/mo
Today · 4.125%
HK$69,370
baseline
▲ 0.50% · 4.625%
HK$73,591
+HK$4,221/mo
Deposit HK$6.13M · loan HK$14.31M · min. income ≈ HK$138,740/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$794,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,619
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$74,567
−HK$1,976/mo
Today · 4.125%
HK$76,543
baseline
▲ 0.50% · 4.625%
HK$80,577
+HK$4,034/mo
Deposit HK$6.13M · loan HK$14.31M · min. income ≈ HK$153,086/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$794,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,927
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$86,537
−HK$2,652/mo
Today · 4.125%
HK$89,189
baseline
▲ 0.50% · 4.625%
HK$94,616
+HK$5,427/mo
Deposit HK$2.04M · loan HK$18.40M · min. income ≈ HK$178,378/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$794,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,367
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$95,872
−HK$2,540/mo
Today · 4.125%
HK$98,412
baseline
▲ 0.50% · 4.625%
HK$103,599
+HK$5,187/mo
Deposit HK$2.04M · loan HK$18.40M · min. income ≈ HK$196,824/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$794,765 · Scale 2, in force from 26 Feb 2026)