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$46,594
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,043
−HK$1,473/mo
Today · 4.125%
HK$49,516
baseline
▲ 0.50% · 4.625%
HK$52,529
+HK$3,013/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$99,032/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$793,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,835
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$53,225
−HK$1,411/mo
Today · 4.125%
HK$54,636
baseline
▲ 0.50% · 4.625%
HK$57,516
+HK$2,880/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$109,272/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$793,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,913
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$57,652
−HK$1,767/mo
Today · 4.125%
HK$59,419
baseline
▲ 0.50% · 4.625%
HK$63,034
+HK$3,615/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$118,838/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$793,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,202
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,870
−HK$1,693/mo
Today · 4.125%
HK$65,563
baseline
▲ 0.50% · 4.625%
HK$69,019
+HK$3,456/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$131,126/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$793,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,231
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$67,260
−HK$2,062/mo
Today · 4.125%
HK$69,322
baseline
▲ 0.50% · 4.625%
HK$73,540
+HK$4,218/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$138,644/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$793,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,569
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$74,515
−HK$1,975/mo
Today · 4.125%
HK$76,490
baseline
▲ 0.50% · 4.625%
HK$80,522
+HK$4,032/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$152,980/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$793,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,869
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$86,478
−HK$2,650/mo
Today · 4.125%
HK$89,128
baseline
▲ 0.50% · 4.625%
HK$94,551
+HK$5,423/mo
Deposit HK$2.04M · loan HK$18.39M · min. income ≈ HK$178,256/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$793,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,303
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$95,806
−HK$2,538/mo
Today · 4.125%
HK$98,344
baseline
▲ 0.50% · 4.625%
HK$103,528
+HK$5,184/mo
Deposit HK$2.04M · loan HK$18.39M · min. income ≈ HK$196,688/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$793,359 · Scale 2, in force from 26 Feb 2026)