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$46,430
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$47,874
−HK$1,468/mo
Today · 4.125%
HK$49,342
baseline
▲ 0.50% · 4.625%
HK$52,344
+HK$3,002/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$98,684/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$786,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,653
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,038
−HK$1,405/mo
Today · 4.125%
HK$54,443
baseline
▲ 0.50% · 4.625%
HK$57,313
+HK$2,870/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$108,886/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$786,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,716
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$57,449
−HK$1,761/mo
Today · 4.125%
HK$59,210
baseline
▲ 0.50% · 4.625%
HK$62,813
+HK$3,603/mo
Deposit HK$8.14M · loan HK$12.22M · min. income ≈ HK$118,420/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$786,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,983
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$63,646
−HK$1,686/mo
Today · 4.125%
HK$65,332
baseline
▲ 0.50% · 4.625%
HK$68,776
+HK$3,444/mo
Deposit HK$8.14M · loan HK$12.22M · min. income ≈ HK$130,664/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$786,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,002
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$67,024
−HK$2,054/mo
Today · 4.125%
HK$69,078
baseline
▲ 0.50% · 4.625%
HK$73,281
+HK$4,203/mo
Deposit HK$6.11M · loan HK$14.25M · min. income ≈ HK$138,156/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$786,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,314
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$74,253
−HK$1,968/mo
Today · 4.125%
HK$76,221
baseline
▲ 0.50% · 4.625%
HK$80,239
+HK$4,018/mo
Deposit HK$6.11M · loan HK$14.25M · min. income ≈ HK$152,442/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$786,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,574
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$86,174
−HK$2,641/mo
Today · 4.125%
HK$88,815
baseline
▲ 0.50% · 4.625%
HK$94,219
+HK$5,404/mo
Deposit HK$2.04M · loan HK$18.33M · min. income ≈ HK$177,630/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$786,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,975
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$95,469
−HK$2,529/mo
Today · 4.125%
HK$97,998
baseline
▲ 0.50% · 4.625%
HK$103,164
+HK$5,166/mo
Deposit HK$2.04M · loan HK$18.33M · min. income ≈ HK$195,996/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$786,172 · Scale 2, in force from 26 Feb 2026)