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$46,583
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$48,032
−HK$1,472/mo
Today · 4.125%
HK$49,504
baseline
▲ 0.50% · 4.625%
HK$52,516
+HK$3,012/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$99,008/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$792,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,823
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,212
−HK$1,410/mo
Today · 4.125%
HK$54,622
baseline
▲ 0.50% · 4.625%
HK$57,502
+HK$2,880/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$109,244/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$792,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,899
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,638
−HK$1,766/mo
Today · 4.125%
HK$59,404
baseline
▲ 0.50% · 4.625%
HK$63,019
+HK$3,615/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$118,808/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$792,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,187
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$63,855
−HK$1,692/mo
Today · 4.125%
HK$65,547
baseline
▲ 0.50% · 4.625%
HK$69,002
+HK$3,455/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$131,094/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$792,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,216
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$67,244
−HK$2,061/mo
Today · 4.125%
HK$69,305
baseline
▲ 0.50% · 4.625%
HK$73,522
+HK$4,217/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$138,610/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$792,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,552
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$74,497
−HK$1,974/mo
Today · 4.125%
HK$76,471
baseline
▲ 0.50% · 4.625%
HK$80,502
+HK$4,031/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$152,942/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$792,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,849
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$86,457
−HK$2,650/mo
Today · 4.125%
HK$89,107
baseline
▲ 0.50% · 4.625%
HK$94,529
+HK$5,422/mo
Deposit HK$2.04M · loan HK$18.39M · min. income ≈ HK$178,214/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$792,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,281
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$95,782
−HK$2,538/mo
Today · 4.125%
HK$98,320
baseline
▲ 0.50% · 4.625%
HK$103,503
+HK$5,183/mo
Deposit HK$2.04M · loan HK$18.39M · min. income ≈ HK$196,640/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$792,865 · Scale 2, in force from 26 Feb 2026)