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$46,635
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,086
−HK$1,473/mo
Today · 4.125%
HK$49,559
baseline
▲ 0.50% · 4.625%
HK$52,575
+HK$3,016/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$99,118/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$795,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,881
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$53,272
−HK$1,412/mo
Today · 4.125%
HK$54,684
baseline
▲ 0.50% · 4.625%
HK$57,566
+HK$2,882/mo
Deposit HK$10.23M · loan HK$10.23M · min. income ≈ HK$109,368/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$795,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,962
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$57,703
−HK$1,768/mo
Today · 4.125%
HK$59,471
baseline
▲ 0.50% · 4.625%
HK$63,090
+HK$3,619/mo
Deposit HK$8.18M · loan HK$12.27M · min. income ≈ HK$118,942/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$795,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,257
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$63,927
−HK$1,694/mo
Today · 4.125%
HK$65,621
baseline
▲ 0.50% · 4.625%
HK$69,080
+HK$3,459/mo
Deposit HK$8.18M · loan HK$12.27M · min. income ≈ HK$131,242/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$795,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,289
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$67,320
−HK$2,063/mo
Today · 4.125%
HK$69,383
baseline
▲ 0.50% · 4.625%
HK$73,605
+HK$4,222/mo
Deposit HK$6.14M · loan HK$14.32M · min. income ≈ HK$138,766/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$795,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,633
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,581
−HK$1,977/mo
Today · 4.125%
HK$76,558
baseline
▲ 0.50% · 4.625%
HK$80,593
+HK$4,035/mo
Deposit HK$6.14M · loan HK$14.32M · min. income ≈ HK$153,116/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$795,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,943
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$86,554
−HK$2,653/mo
Today · 4.125%
HK$89,207
baseline
▲ 0.50% · 4.625%
HK$94,635
+HK$5,428/mo
Deposit HK$2.05M · loan HK$18.41M · min. income ≈ HK$178,414/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$795,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,386
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$95,890
−HK$2,541/mo
Today · 4.125%
HK$98,431
baseline
▲ 0.50% · 4.625%
HK$103,620
+HK$5,189/mo
Deposit HK$2.05M · loan HK$18.41M · min. income ≈ HK$196,862/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$795,165 · Scale 2, in force from 26 Feb 2026)