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$46,409
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,853
−HK$1,466/mo
Today · 4.125%
HK$49,319
baseline
▲ 0.50% · 4.625%
HK$52,320
+HK$3,001/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$98,638/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$785,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,630
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$53,014
−HK$1,405/mo
Today · 4.125%
HK$54,419
baseline
▲ 0.50% · 4.625%
HK$57,288
+HK$2,869/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$108,838/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$785,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,691
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$57,423
−HK$1,760/mo
Today · 4.125%
HK$59,183
baseline
▲ 0.50% · 4.625%
HK$62,784
+HK$3,601/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$118,366/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$785,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,956
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$63,617
−HK$1,686/mo
Today · 4.125%
HK$65,303
baseline
▲ 0.50% · 4.625%
HK$68,745
+HK$3,442/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$130,606/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$785,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,973
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$66,994
−HK$2,053/mo
Today · 4.125%
HK$69,047
baseline
▲ 0.50% · 4.625%
HK$73,248
+HK$4,201/mo
Deposit HK$6.11M · loan HK$14.25M · min. income ≈ HK$138,094/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$785,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,281
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$74,220
−HK$1,967/mo
Today · 4.125%
HK$76,187
baseline
▲ 0.50% · 4.625%
HK$80,203
+HK$4,016/mo
Deposit HK$6.11M · loan HK$14.25M · min. income ≈ HK$152,374/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$785,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,536
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$86,135
−HK$2,640/mo
Today · 4.125%
HK$88,775
baseline
▲ 0.50% · 4.625%
HK$94,177
+HK$5,402/mo
Deposit HK$2.04M · loan HK$18.32M · min. income ≈ HK$177,550/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$785,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,933
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$95,426
−HK$2,528/mo
Today · 4.125%
HK$97,954
baseline
▲ 0.50% · 4.625%
HK$103,118
+HK$5,164/mo
Deposit HK$2.04M · loan HK$18.32M · min. income ≈ HK$195,908/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$785,257 · Scale 2, in force from 26 Feb 2026)