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$46,621
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$48,071
−HK$1,473/mo
Today · 4.125%
HK$49,544
baseline
▲ 0.50% · 4.625%
HK$52,559
+HK$3,015/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$99,088/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$794,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,865
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,256
−HK$1,411/mo
Today · 4.125%
HK$54,667
baseline
▲ 0.50% · 4.625%
HK$57,549
+HK$2,882/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$109,334/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$794,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,945
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$57,685
−HK$1,768/mo
Today · 4.125%
HK$59,453
baseline
▲ 0.50% · 4.625%
HK$63,071
+HK$3,618/mo
Deposit HK$8.18M · loan HK$12.27M · min. income ≈ HK$118,906/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$794,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,238
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,908
−HK$1,693/mo
Today · 4.125%
HK$65,601
baseline
▲ 0.50% · 4.625%
HK$69,059
+HK$3,458/mo
Deposit HK$8.18M · loan HK$12.27M · min. income ≈ HK$131,202/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$794,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,269
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$67,300
−HK$2,062/mo
Today · 4.125%
HK$69,362
baseline
▲ 0.50% · 4.625%
HK$73,583
+HK$4,221/mo
Deposit HK$6.13M · loan HK$14.31M · min. income ≈ HK$138,724/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$794,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,611
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$74,559
−HK$1,975/mo
Today · 4.125%
HK$76,534
baseline
▲ 0.50% · 4.625%
HK$80,569
+HK$4,035/mo
Deposit HK$6.13M · loan HK$14.31M · min. income ≈ HK$153,068/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$794,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,918
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$86,528
−HK$2,652/mo
Today · 4.125%
HK$89,180
baseline
▲ 0.50% · 4.625%
HK$94,606
+HK$5,426/mo
Deposit HK$2.04M · loan HK$18.40M · min. income ≈ HK$178,360/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$794,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,358
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$95,861
−HK$2,540/mo
Today · 4.125%
HK$98,401
baseline
▲ 0.50% · 4.625%
HK$103,588
+HK$5,187/mo
Deposit HK$2.04M · loan HK$18.40M · min. income ≈ HK$196,802/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$794,548 · Scale 2, in force from 26 Feb 2026)