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$46,613
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$48,063
−HK$1,473/mo
Today · 4.125%
HK$49,536
baseline
▲ 0.50% · 4.625%
HK$52,550
+HK$3,014/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$99,072/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$794,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,856
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,247
−HK$1,411/mo
Today · 4.125%
HK$54,658
baseline
▲ 0.50% · 4.625%
HK$57,539
+HK$2,881/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$109,316/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$794,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,935
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$57,675
−HK$1,768/mo
Today · 4.125%
HK$59,443
baseline
▲ 0.50% · 4.625%
HK$63,060
+HK$3,617/mo
Deposit HK$8.18M · loan HK$12.27M · min. income ≈ HK$118,886/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$794,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,227
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$63,896
−HK$1,693/mo
Today · 4.125%
HK$65,589
baseline
▲ 0.50% · 4.625%
HK$69,047
+HK$3,458/mo
Deposit HK$8.18M · loan HK$12.27M · min. income ≈ HK$131,178/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$794,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,258
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$67,288
−HK$2,062/mo
Today · 4.125%
HK$69,350
baseline
▲ 0.50% · 4.625%
HK$73,570
+HK$4,220/mo
Deposit HK$6.13M · loan HK$14.31M · min. income ≈ HK$138,700/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$794,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,599
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$74,546
−HK$1,975/mo
Today · 4.125%
HK$76,521
baseline
▲ 0.50% · 4.625%
HK$80,554
+HK$4,033/mo
Deposit HK$6.13M · loan HK$14.31M · min. income ≈ HK$153,042/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$794,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,903
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$86,513
−HK$2,651/mo
Today · 4.125%
HK$89,164
baseline
▲ 0.50% · 4.625%
HK$94,590
+HK$5,426/mo
Deposit HK$2.04M · loan HK$18.40M · min. income ≈ HK$178,328/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$794,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,341
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$95,844
−HK$2,540/mo
Today · 4.125%
HK$98,384
baseline
▲ 0.50% · 4.625%
HK$103,570
+HK$5,186/mo
Deposit HK$2.04M · loan HK$18.40M · min. income ≈ HK$196,768/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$794,185 · Scale 2, in force from 26 Feb 2026)