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$46,420
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$47,864
−HK$1,467/mo
Today · 4.125%
HK$49,331
baseline
▲ 0.50% · 4.625%
HK$52,332
+HK$3,001/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$98,662/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$785,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,641
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,026
−HK$1,405/mo
Today · 4.125%
HK$54,431
baseline
▲ 0.50% · 4.625%
HK$57,301
+HK$2,870/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$108,862/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$785,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,704
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$57,436
−HK$1,761/mo
Today · 4.125%
HK$59,197
baseline
▲ 0.50% · 4.625%
HK$62,799
+HK$3,602/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$118,394/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$785,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,970
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,632
−HK$1,686/mo
Today · 4.125%
HK$65,318
baseline
▲ 0.50% · 4.625%
HK$68,761
+HK$3,443/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$130,636/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$785,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,988
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$67,009
−HK$2,054/mo
Today · 4.125%
HK$69,063
baseline
▲ 0.50% · 4.625%
HK$73,265
+HK$4,202/mo
Deposit HK$6.11M · loan HK$14.25M · min. income ≈ HK$138,126/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$785,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,298
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$74,237
−HK$1,967/mo
Today · 4.125%
HK$76,204
baseline
▲ 0.50% · 4.625%
HK$80,221
+HK$4,017/mo
Deposit HK$6.11M · loan HK$14.25M · min. income ≈ HK$152,408/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$785,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,555
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$86,154
−HK$2,641/mo
Today · 4.125%
HK$88,795
baseline
▲ 0.50% · 4.625%
HK$94,198
+HK$5,403/mo
Deposit HK$2.04M · loan HK$18.32M · min. income ≈ HK$177,590/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$785,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,955
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$95,448
−HK$2,529/mo
Today · 4.125%
HK$97,977
baseline
▲ 0.50% · 4.625%
HK$103,141
+HK$5,164/mo
Deposit HK$2.04M · loan HK$18.32M · min. income ≈ HK$195,954/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$785,722 · Scale 2, in force from 26 Feb 2026)