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$46,571
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,020
−HK$1,471/mo
Today · 4.125%
HK$49,491
baseline
▲ 0.50% · 4.625%
HK$52,503
+HK$3,012/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$98,982/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$792,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,810
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,199
−HK$1,410/mo
Today · 4.125%
HK$54,609
baseline
▲ 0.50% · 4.625%
HK$57,487
+HK$2,878/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$109,218/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$792,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,885
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,624
−HK$1,766/mo
Today · 4.125%
HK$59,390
baseline
▲ 0.50% · 4.625%
HK$63,003
+HK$3,613/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$118,780/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$792,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,172
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,839
−HK$1,692/mo
Today · 4.125%
HK$65,531
baseline
▲ 0.50% · 4.625%
HK$68,985
+HK$3,454/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$131,062/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$792,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,199
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$67,228
−HK$2,060/mo
Today · 4.125%
HK$69,288
baseline
▲ 0.50% · 4.625%
HK$73,504
+HK$4,216/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$138,576/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$792,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,534
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$74,479
−HK$1,974/mo
Today · 4.125%
HK$76,453
baseline
▲ 0.50% · 4.625%
HK$80,482
+HK$4,029/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$152,906/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$792,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,828
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$86,435
−HK$2,650/mo
Today · 4.125%
HK$89,085
baseline
▲ 0.50% · 4.625%
HK$94,505
+HK$5,420/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$178,170/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$792,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,258
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$95,759
−HK$2,537/mo
Today · 4.125%
HK$98,296
baseline
▲ 0.50% · 4.625%
HK$103,477
+HK$5,181/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$196,592/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$792,360 · Scale 2, in force from 26 Feb 2026)