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$46,555
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$48,003
−HK$1,471/mo
Today · 4.125%
HK$49,474
baseline
▲ 0.50% · 4.625%
HK$52,484
+HK$3,010/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$98,948/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$791,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,792
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$53,181
−HK$1,409/mo
Today · 4.125%
HK$54,590
baseline
▲ 0.50% · 4.625%
HK$57,467
+HK$2,877/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$109,180/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$791,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,866
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$57,603
−HK$1,766/mo
Today · 4.125%
HK$59,369
baseline
▲ 0.50% · 4.625%
HK$62,981
+HK$3,612/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$118,738/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$791,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,150
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,817
−HK$1,691/mo
Today · 4.125%
HK$65,508
baseline
▲ 0.50% · 4.625%
HK$68,961
+HK$3,453/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$131,016/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$791,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,177
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$67,204
−HK$2,060/mo
Today · 4.125%
HK$69,264
baseline
▲ 0.50% · 4.625%
HK$73,478
+HK$4,214/mo
Deposit HK$6.12M · loan HK$14.29M · min. income ≈ HK$138,528/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$791,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,508
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$74,453
−HK$1,973/mo
Today · 4.125%
HK$76,426
baseline
▲ 0.50% · 4.625%
HK$80,454
+HK$4,028/mo
Deposit HK$6.12M · loan HK$14.29M · min. income ≈ HK$152,852/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$791,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,798
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$86,405
−HK$2,648/mo
Today · 4.125%
HK$89,053
baseline
▲ 0.50% · 4.625%
HK$94,472
+HK$5,419/mo
Deposit HK$2.04M · loan HK$18.37M · min. income ≈ HK$178,106/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$791,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,225
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$95,725
−HK$2,537/mo
Today · 4.125%
HK$98,262
baseline
▲ 0.50% · 4.625%
HK$103,441
+HK$5,179/mo
Deposit HK$2.04M · loan HK$18.37M · min. income ≈ HK$196,524/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$791,644 · Scale 2, in force from 26 Feb 2026)