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$46,564
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$48,012
−HK$1,471/mo
Today · 4.125%
HK$49,483
baseline
▲ 0.50% · 4.625%
HK$52,494
+HK$3,011/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$98,966/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$792,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,801
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,191
−HK$1,409/mo
Today · 4.125%
HK$54,600
baseline
▲ 0.50% · 4.625%
HK$57,478
+HK$2,878/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$109,200/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$792,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,876
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,614
−HK$1,766/mo
Today · 4.125%
HK$59,380
baseline
▲ 0.50% · 4.625%
HK$62,993
+HK$3,613/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$118,760/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$792,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,162
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,829
−HK$1,691/mo
Today · 4.125%
HK$65,520
baseline
▲ 0.50% · 4.625%
HK$68,974
+HK$3,454/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$131,040/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$792,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,189
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$67,217
−HK$2,060/mo
Today · 4.125%
HK$69,277
baseline
▲ 0.50% · 4.625%
HK$73,492
+HK$4,215/mo
Deposit HK$6.13M · loan HK$14.29M · min. income ≈ HK$138,554/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$792,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,522
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$74,467
−HK$1,973/mo
Today · 4.125%
HK$76,440
baseline
▲ 0.50% · 4.625%
HK$80,469
+HK$4,029/mo
Deposit HK$6.13M · loan HK$14.29M · min. income ≈ HK$152,880/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$792,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,814
−HK$5,256/mo
▼ 0.25% · 3.875%
HK$86,421
−HK$2,649/mo
Today · 4.125%
HK$89,070
baseline
▲ 0.50% · 4.625%
HK$94,490
+HK$5,420/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$178,140/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$792,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,243
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$95,743
−HK$2,537/mo
Today · 4.125%
HK$98,280
baseline
▲ 0.50% · 4.625%
HK$103,461
+HK$5,181/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$196,560/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$792,031 · Scale 2, in force from 26 Feb 2026)