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$46,551
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$47,999
−HK$1,471/mo
Today · 4.125%
HK$49,470
baseline
▲ 0.50% · 4.625%
HK$52,480
+HK$3,010/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$98,940/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$791,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,788
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$53,177
−HK$1,409/mo
Today · 4.125%
HK$54,586
baseline
▲ 0.50% · 4.625%
HK$57,463
+HK$2,877/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$109,172/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$791,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,861
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$57,599
−HK$1,765/mo
Today · 4.125%
HK$59,364
baseline
▲ 0.50% · 4.625%
HK$62,977
+HK$3,613/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$118,728/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$791,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,145
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,812
−HK$1,691/mo
Today · 4.125%
HK$65,503
baseline
▲ 0.50% · 4.625%
HK$68,955
+HK$3,452/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$131,006/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$791,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,172
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$67,199
−HK$2,059/mo
Today · 4.125%
HK$69,258
baseline
▲ 0.50% · 4.625%
HK$73,473
+HK$4,215/mo
Deposit HK$6.12M · loan HK$14.29M · min. income ≈ HK$138,516/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$791,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,503
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$74,447
−HK$1,973/mo
Today · 4.125%
HK$76,420
baseline
▲ 0.50% · 4.625%
HK$80,448
+HK$4,028/mo
Deposit HK$6.12M · loan HK$14.29M · min. income ≈ HK$152,840/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$791,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,792
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$86,398
−HK$2,649/mo
Today · 4.125%
HK$89,047
baseline
▲ 0.50% · 4.625%
HK$94,465
+HK$5,418/mo
Deposit HK$2.04M · loan HK$18.37M · min. income ≈ HK$178,094/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$791,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,218
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$95,718
−HK$2,536/mo
Today · 4.125%
HK$98,254
baseline
▲ 0.50% · 4.625%
HK$103,433
+HK$5,179/mo
Deposit HK$2.04M · loan HK$18.37M · min. income ≈ HK$196,508/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$791,487 · Scale 2, in force from 26 Feb 2026)