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$46,685
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,137
−HK$1,476/mo
Today · 4.125%
HK$49,613
baseline
▲ 0.50% · 4.625%
HK$52,631
+HK$3,018/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$99,226/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$797,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,937
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,330
−HK$1,413/mo
Today · 4.125%
HK$54,743
baseline
▲ 0.50% · 4.625%
HK$57,628
+HK$2,885/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$109,486/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$797,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,022
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$57,765
−HK$1,770/mo
Today · 4.125%
HK$59,535
baseline
▲ 0.50% · 4.625%
HK$63,158
+HK$3,623/mo
Deposit HK$8.19M · loan HK$12.28M · min. income ≈ HK$119,070/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$797,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,324
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$63,995
−HK$1,696/mo
Today · 4.125%
HK$65,691
baseline
▲ 0.50% · 4.625%
HK$69,154
+HK$3,463/mo
Deposit HK$8.19M · loan HK$12.28M · min. income ≈ HK$131,382/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$797,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,359
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$67,392
−HK$2,066/mo
Today · 4.125%
HK$69,458
baseline
▲ 0.50% · 4.625%
HK$73,684
+HK$4,226/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$138,916/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$797,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,711
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$74,661
−HK$1,979/mo
Today · 4.125%
HK$76,640
baseline
▲ 0.50% · 4.625%
HK$80,679
+HK$4,039/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$153,280/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$797,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,033
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$86,647
−HK$2,656/mo
Today · 4.125%
HK$89,303
baseline
▲ 0.50% · 4.625%
HK$94,736
+HK$5,433/mo
Deposit HK$2.05M · loan HK$18.43M · min. income ≈ HK$178,606/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$797,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,486
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$95,993
−HK$2,544/mo
Today · 4.125%
HK$98,537
baseline
▲ 0.50% · 4.625%
HK$103,731
+HK$5,194/mo
Deposit HK$2.05M · loan HK$18.43M · min. income ≈ HK$197,074/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$797,358 · Scale 2, in force from 26 Feb 2026)