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$46,586
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$48,035
−HK$1,472/mo
Today · 4.125%
HK$49,507
baseline
▲ 0.50% · 4.625%
HK$52,520
+HK$3,013/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$99,014/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$793,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,826
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,216
−HK$1,410/mo
Today · 4.125%
HK$54,626
baseline
▲ 0.50% · 4.625%
HK$57,506
+HK$2,880/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$109,252/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$793,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,903
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$57,642
−HK$1,767/mo
Today · 4.125%
HK$59,409
baseline
▲ 0.50% · 4.625%
HK$63,024
+HK$3,615/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$118,818/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$793,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,192
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$63,860
−HK$1,692/mo
Today · 4.125%
HK$65,552
baseline
▲ 0.50% · 4.625%
HK$69,007
+HK$3,455/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$131,104/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$793,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,220
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$67,249
−HK$2,061/mo
Today · 4.125%
HK$69,310
baseline
▲ 0.50% · 4.625%
HK$73,528
+HK$4,218/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$138,620/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$793,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,557
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$74,503
−HK$1,974/mo
Today · 4.125%
HK$76,477
baseline
▲ 0.50% · 4.625%
HK$80,508
+HK$4,031/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$152,954/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$793,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,855
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$86,463
−HK$2,650/mo
Today · 4.125%
HK$89,113
baseline
▲ 0.50% · 4.625%
HK$94,536
+HK$5,423/mo
Deposit HK$2.04M · loan HK$18.39M · min. income ≈ HK$178,226/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$793,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,288
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$95,790
−HK$2,538/mo
Today · 4.125%
HK$98,328
baseline
▲ 0.50% · 4.625%
HK$103,511
+HK$5,183/mo
Deposit HK$2.04M · loan HK$18.39M · min. income ≈ HK$196,656/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$793,017 · Scale 2, in force from 26 Feb 2026)