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$46,444
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$47,889
−HK$1,467/mo
Today · 4.125%
HK$49,356
baseline
▲ 0.50% · 4.625%
HK$52,360
+HK$3,004/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$98,712/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$786,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,669
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,054
−HK$1,406/mo
Today · 4.125%
HK$54,460
baseline
▲ 0.50% · 4.625%
HK$57,331
+HK$2,871/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$108,920/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$786,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,733
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$57,466
−HK$1,762/mo
Today · 4.125%
HK$59,228
baseline
▲ 0.50% · 4.625%
HK$62,832
+HK$3,604/mo
Deposit HK$8.15M · loan HK$12.22M · min. income ≈ HK$118,456/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$786,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,002
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$63,665
−HK$1,687/mo
Today · 4.125%
HK$65,352
baseline
▲ 0.50% · 4.625%
HK$68,797
+HK$3,445/mo
Deposit HK$8.15M · loan HK$12.22M · min. income ≈ HK$130,704/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$786,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,022
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$67,044
−HK$2,055/mo
Today · 4.125%
HK$69,099
baseline
▲ 0.50% · 4.625%
HK$73,304
+HK$4,205/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$138,198/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$786,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,336
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$74,276
−HK$1,968/mo
Today · 4.125%
HK$76,244
baseline
▲ 0.50% · 4.625%
HK$80,263
+HK$4,019/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$152,488/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$786,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,599
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$86,200
−HK$2,642/mo
Today · 4.125%
HK$88,842
baseline
▲ 0.50% · 4.625%
HK$94,247
+HK$5,405/mo
Deposit HK$2.04M · loan HK$18.33M · min. income ≈ HK$177,684/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$786,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,003
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$95,498
−HK$2,530/mo
Today · 4.125%
HK$98,028
baseline
▲ 0.50% · 4.625%
HK$103,195
+HK$5,167/mo
Deposit HK$2.04M · loan HK$18.33M · min. income ≈ HK$196,056/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$786,790 · Scale 2, in force from 26 Feb 2026)