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$46,622
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,073
−HK$1,473/mo
Today · 4.125%
HK$49,546
baseline
▲ 0.50% · 4.625%
HK$52,561
+HK$3,015/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$99,092/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$794,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,867
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,258
−HK$1,411/mo
Today · 4.125%
HK$54,669
baseline
▲ 0.50% · 4.625%
HK$57,551
+HK$2,882/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$109,338/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$794,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,947
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$57,687
−HK$1,768/mo
Today · 4.125%
HK$59,455
baseline
▲ 0.50% · 4.625%
HK$63,073
+HK$3,618/mo
Deposit HK$8.18M · loan HK$12.27M · min. income ≈ HK$118,910/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$794,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,240
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,910
−HK$1,693/mo
Today · 4.125%
HK$65,603
baseline
▲ 0.50% · 4.625%
HK$69,061
+HK$3,458/mo
Deposit HK$8.18M · loan HK$12.27M · min. income ≈ HK$131,206/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$794,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,271
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$67,302
−HK$2,062/mo
Today · 4.125%
HK$69,364
baseline
▲ 0.50% · 4.625%
HK$73,585
+HK$4,221/mo
Deposit HK$6.13M · loan HK$14.31M · min. income ≈ HK$138,728/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$794,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,614
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$74,561
−HK$1,976/mo
Today · 4.125%
HK$76,537
baseline
▲ 0.50% · 4.625%
HK$80,571
+HK$4,034/mo
Deposit HK$6.13M · loan HK$14.31M · min. income ≈ HK$153,074/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$794,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,920
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$86,531
−HK$2,652/mo
Today · 4.125%
HK$89,183
baseline
▲ 0.50% · 4.625%
HK$94,609
+HK$5,426/mo
Deposit HK$2.04M · loan HK$18.40M · min. income ≈ HK$178,366/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$794,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,361
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$95,864
−HK$2,541/mo
Today · 4.125%
HK$98,405
baseline
▲ 0.50% · 4.625%
HK$103,592
+HK$5,187/mo
Deposit HK$2.04M · loan HK$18.40M · min. income ≈ HK$196,810/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$794,614 · Scale 2, in force from 26 Feb 2026)