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$46,560
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,009
−HK$1,471/mo
Today · 4.125%
HK$49,480
baseline
▲ 0.50% · 4.625%
HK$52,491
+HK$3,011/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$98,960/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$791,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,798
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$53,187
−HK$1,409/mo
Today · 4.125%
HK$54,596
baseline
▲ 0.50% · 4.625%
HK$57,474
+HK$2,878/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$109,192/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$791,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,872
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,610
−HK$1,766/mo
Today · 4.125%
HK$59,376
baseline
▲ 0.50% · 4.625%
HK$62,989
+HK$3,613/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$118,752/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$791,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,157
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,824
−HK$1,692/mo
Today · 4.125%
HK$65,516
baseline
▲ 0.50% · 4.625%
HK$68,969
+HK$3,453/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$131,032/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$791,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,184
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$67,212
−HK$2,060/mo
Today · 4.125%
HK$69,272
baseline
▲ 0.50% · 4.625%
HK$73,487
+HK$4,215/mo
Deposit HK$6.13M · loan HK$14.29M · min. income ≈ HK$138,544/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$791,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,517
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$74,462
−HK$1,973/mo
Today · 4.125%
HK$76,435
baseline
▲ 0.50% · 4.625%
HK$80,464
+HK$4,029/mo
Deposit HK$6.13M · loan HK$14.29M · min. income ≈ HK$152,870/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$791,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,809
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$86,415
−HK$2,649/mo
Today · 4.125%
HK$89,064
baseline
▲ 0.50% · 4.625%
HK$94,483
+HK$5,419/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$178,128/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$791,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,236
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$95,737
−HK$2,536/mo
Today · 4.125%
HK$98,273
baseline
▲ 0.50% · 4.625%
HK$103,454
+HK$5,181/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$196,546/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$791,889 · Scale 2, in force from 26 Feb 2026)