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$46,587
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$48,036
−HK$1,472/mo
Today · 4.125%
HK$49,508
baseline
▲ 0.50% · 4.625%
HK$52,521
+HK$3,013/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$99,016/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$793,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,827
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,217
−HK$1,410/mo
Today · 4.125%
HK$54,627
baseline
▲ 0.50% · 4.625%
HK$57,507
+HK$2,880/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$109,254/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$793,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,904
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$57,643
−HK$1,767/mo
Today · 4.125%
HK$59,410
baseline
▲ 0.50% · 4.625%
HK$63,025
+HK$3,615/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$118,820/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$793,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,193
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$63,861
−HK$1,692/mo
Today · 4.125%
HK$65,553
baseline
▲ 0.50% · 4.625%
HK$69,008
+HK$3,455/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$131,106/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$793,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,221
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$67,250
−HK$2,061/mo
Today · 4.125%
HK$69,311
baseline
▲ 0.50% · 4.625%
HK$73,529
+HK$4,218/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$138,622/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$793,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,558
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$74,504
−HK$1,974/mo
Today · 4.125%
HK$76,478
baseline
▲ 0.50% · 4.625%
HK$80,510
+HK$4,032/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$152,956/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$793,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,856
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$86,464
−HK$2,651/mo
Today · 4.125%
HK$89,115
baseline
▲ 0.50% · 4.625%
HK$94,537
+HK$5,422/mo
Deposit HK$2.04M · loan HK$18.39M · min. income ≈ HK$178,230/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$793,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,289
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$95,791
−HK$2,538/mo
Today · 4.125%
HK$98,329
baseline
▲ 0.50% · 4.625%
HK$103,512
+HK$5,183/mo
Deposit HK$2.04M · loan HK$18.39M · min. income ≈ HK$196,658/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$793,047 · Scale 2, in force from 26 Feb 2026)