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$46,431
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$47,876
−HK$1,467/mo
Today · 4.125%
HK$49,343
baseline
▲ 0.50% · 4.625%
HK$52,345
+HK$3,002/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$98,686/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$786,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,654
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,040
−HK$1,405/mo
Today · 4.125%
HK$54,445
baseline
▲ 0.50% · 4.625%
HK$57,315
+HK$2,870/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$108,890/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$786,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,718
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$57,451
−HK$1,761/mo
Today · 4.125%
HK$59,212
baseline
▲ 0.50% · 4.625%
HK$62,815
+HK$3,603/mo
Deposit HK$8.14M · loan HK$12.22M · min. income ≈ HK$118,424/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$786,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,985
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$63,648
−HK$1,686/mo
Today · 4.125%
HK$65,334
baseline
▲ 0.50% · 4.625%
HK$68,778
+HK$3,444/mo
Deposit HK$8.14M · loan HK$12.22M · min. income ≈ HK$130,668/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$786,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,004
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$67,026
−HK$2,054/mo
Today · 4.125%
HK$69,080
baseline
▲ 0.50% · 4.625%
HK$73,284
+HK$4,204/mo
Deposit HK$6.11M · loan HK$14.25M · min. income ≈ HK$138,160/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$786,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,316
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$74,256
−HK$1,967/mo
Today · 4.125%
HK$76,223
baseline
▲ 0.50% · 4.625%
HK$80,241
+HK$4,018/mo
Deposit HK$6.11M · loan HK$14.25M · min. income ≈ HK$152,446/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$786,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,576
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$86,176
−HK$2,641/mo
Today · 4.125%
HK$88,817
baseline
▲ 0.50% · 4.625%
HK$94,222
+HK$5,405/mo
Deposit HK$2.04M · loan HK$18.33M · min. income ≈ HK$177,634/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$786,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,978
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$95,472
−HK$2,529/mo
Today · 4.125%
HK$98,001
baseline
▲ 0.50% · 4.625%
HK$103,167
+HK$5,166/mo
Deposit HK$2.04M · loan HK$18.33M · min. income ≈ HK$196,002/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$786,235 · Scale 2, in force from 26 Feb 2026)