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$46,576
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$48,025
−HK$1,472/mo
Today · 4.125%
HK$49,497
baseline
▲ 0.50% · 4.625%
HK$52,509
+HK$3,012/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$98,994/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$792,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,816
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,205
−HK$1,410/mo
Today · 4.125%
HK$54,615
baseline
▲ 0.50% · 4.625%
HK$57,494
+HK$2,879/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$109,230/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$792,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,891
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,630
−HK$1,766/mo
Today · 4.125%
HK$59,396
baseline
▲ 0.50% · 4.625%
HK$63,010
+HK$3,614/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$118,792/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$792,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,179
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,846
−HK$1,692/mo
Today · 4.125%
HK$65,538
baseline
▲ 0.50% · 4.625%
HK$68,993
+HK$3,455/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$131,076/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$792,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,207
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$67,235
−HK$2,061/mo
Today · 4.125%
HK$69,296
baseline
▲ 0.50% · 4.625%
HK$73,512
+HK$4,216/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$138,592/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$792,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,542
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$74,487
−HK$1,974/mo
Today · 4.125%
HK$76,461
baseline
▲ 0.50% · 4.625%
HK$80,491
+HK$4,030/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$152,922/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$792,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,837
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$86,445
−HK$2,649/mo
Today · 4.125%
HK$89,094
baseline
▲ 0.50% · 4.625%
HK$94,516
+HK$5,422/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$178,188/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$792,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,268
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$95,769
−HK$2,538/mo
Today · 4.125%
HK$98,307
baseline
▲ 0.50% · 4.625%
HK$103,489
+HK$5,182/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$196,614/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$792,586 · Scale 2, in force from 26 Feb 2026)