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$46,573
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,021
−HK$1,472/mo
Today · 4.125%
HK$49,493
baseline
▲ 0.50% · 4.625%
HK$52,505
+HK$3,012/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$98,986/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$792,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,811
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,201
−HK$1,410/mo
Today · 4.125%
HK$54,611
baseline
▲ 0.50% · 4.625%
HK$57,489
+HK$2,878/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$109,222/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$792,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,887
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,625
−HK$1,767/mo
Today · 4.125%
HK$59,392
baseline
▲ 0.50% · 4.625%
HK$63,005
+HK$3,613/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$118,784/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$792,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,174
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,841
−HK$1,692/mo
Today · 4.125%
HK$65,533
baseline
▲ 0.50% · 4.625%
HK$68,987
+HK$3,454/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$131,066/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$792,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,202
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$67,230
−HK$2,060/mo
Today · 4.125%
HK$69,290
baseline
▲ 0.50% · 4.625%
HK$73,506
+HK$4,216/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$138,580/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$792,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,536
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$74,481
−HK$1,974/mo
Today · 4.125%
HK$76,455
baseline
▲ 0.50% · 4.625%
HK$80,485
+HK$4,030/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$152,910/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$792,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,831
−HK$5,256/mo
▼ 0.25% · 3.875%
HK$86,438
−HK$2,649/mo
Today · 4.125%
HK$89,087
baseline
▲ 0.50% · 4.625%
HK$94,508
+HK$5,421/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$178,174/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$792,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,261
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$95,762
−HK$2,537/mo
Today · 4.125%
HK$98,299
baseline
▲ 0.50% · 4.625%
HK$103,481
+HK$5,182/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$196,598/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$792,425 · Scale 2, in force from 26 Feb 2026)