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$46,620
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$48,070
−HK$1,473/mo
Today · 4.125%
HK$49,543
baseline
▲ 0.50% · 4.625%
HK$52,558
+HK$3,015/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$99,086/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$794,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,864
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,255
−HK$1,411/mo
Today · 4.125%
HK$54,666
baseline
▲ 0.50% · 4.625%
HK$57,548
+HK$2,882/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$109,332/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$794,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,944
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$57,684
−HK$1,768/mo
Today · 4.125%
HK$59,452
baseline
▲ 0.50% · 4.625%
HK$63,070
+HK$3,618/mo
Deposit HK$8.18M · loan HK$12.27M · min. income ≈ HK$118,904/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$794,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,237
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,906
−HK$1,694/mo
Today · 4.125%
HK$65,600
baseline
▲ 0.50% · 4.625%
HK$69,057
+HK$3,457/mo
Deposit HK$8.18M · loan HK$12.27M · min. income ≈ HK$131,200/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$794,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,268
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$67,298
−HK$2,063/mo
Today · 4.125%
HK$69,361
baseline
▲ 0.50% · 4.625%
HK$73,581
+HK$4,220/mo
Deposit HK$6.13M · loan HK$14.31M · min. income ≈ HK$138,722/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$794,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,610
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$74,557
−HK$1,976/mo
Today · 4.125%
HK$76,533
baseline
▲ 0.50% · 4.625%
HK$80,567
+HK$4,034/mo
Deposit HK$6.13M · loan HK$14.31M · min. income ≈ HK$153,066/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$794,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,916
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$86,526
−HK$2,652/mo
Today · 4.125%
HK$89,178
baseline
▲ 0.50% · 4.625%
HK$94,604
+HK$5,426/mo
Deposit HK$2.04M · loan HK$18.40M · min. income ≈ HK$178,356/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$794,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,356
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$95,859
−HK$2,540/mo
Today · 4.125%
HK$98,399
baseline
▲ 0.50% · 4.625%
HK$103,586
+HK$5,187/mo
Deposit HK$2.04M · loan HK$18.40M · min. income ≈ HK$196,798/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$794,504 · Scale 2, in force from 26 Feb 2026)