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$46,591
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$48,040
−HK$1,472/mo
Today · 4.125%
HK$49,512
baseline
▲ 0.50% · 4.625%
HK$52,525
+HK$3,013/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$99,024/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$793,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,832
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,222
−HK$1,410/mo
Today · 4.125%
HK$54,632
baseline
▲ 0.50% · 4.625%
HK$57,512
+HK$2,880/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$109,264/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$793,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,909
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$57,648
−HK$1,767/mo
Today · 4.125%
HK$59,415
baseline
▲ 0.50% · 4.625%
HK$63,030
+HK$3,615/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$118,830/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$793,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,198
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,866
−HK$1,693/mo
Today · 4.125%
HK$65,559
baseline
▲ 0.50% · 4.625%
HK$69,014
+HK$3,455/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$131,118/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$793,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,227
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$67,256
−HK$2,061/mo
Today · 4.125%
HK$69,317
baseline
▲ 0.50% · 4.625%
HK$73,535
+HK$4,218/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$138,634/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$793,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,564
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$74,511
−HK$1,974/mo
Today · 4.125%
HK$76,485
baseline
▲ 0.50% · 4.625%
HK$80,517
+HK$4,032/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$152,970/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$793,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,863
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$86,472
−HK$2,650/mo
Today · 4.125%
HK$89,122
baseline
▲ 0.50% · 4.625%
HK$94,545
+HK$5,423/mo
Deposit HK$2.04M · loan HK$18.39M · min. income ≈ HK$178,244/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$793,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,297
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$95,799
−HK$2,539/mo
Today · 4.125%
HK$98,338
baseline
▲ 0.50% · 4.625%
HK$103,521
+HK$5,183/mo
Deposit HK$2.04M · loan HK$18.39M · min. income ≈ HK$196,676/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$793,226 · Scale 2, in force from 26 Feb 2026)