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$46,472
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$47,917
−HK$1,469/mo
Today · 4.125%
HK$49,386
baseline
▲ 0.50% · 4.625%
HK$52,391
+HK$3,005/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$98,772/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$788,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,700
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,086
−HK$1,407/mo
Today · 4.125%
HK$54,493
baseline
▲ 0.50% · 4.625%
HK$57,365
+HK$2,872/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$108,986/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$788,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,766
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$57,501
−HK$1,762/mo
Today · 4.125%
HK$59,263
baseline
▲ 0.50% · 4.625%
HK$62,869
+HK$3,606/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$118,526/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$788,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,039
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$63,703
−HK$1,688/mo
Today · 4.125%
HK$65,391
baseline
▲ 0.50% · 4.625%
HK$68,838
+HK$3,447/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$130,782/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$788,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,061
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$67,084
−HK$2,057/mo
Today · 4.125%
HK$69,141
baseline
▲ 0.50% · 4.625%
HK$73,348
+HK$4,207/mo
Deposit HK$6.11M · loan HK$14.27M · min. income ≈ HK$138,282/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$788,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,379
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$74,320
−HK$1,970/mo
Today · 4.125%
HK$76,290
baseline
▲ 0.50% · 4.625%
HK$80,311
+HK$4,021/mo
Deposit HK$6.11M · loan HK$14.27M · min. income ≈ HK$152,580/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$788,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,649
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$86,251
−HK$2,644/mo
Today · 4.125%
HK$88,895
baseline
▲ 0.50% · 4.625%
HK$94,304
+HK$5,409/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$177,790/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$788,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,059
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$95,555
−HK$2,532/mo
Today · 4.125%
HK$98,087
baseline
▲ 0.50% · 4.625%
HK$103,257
+HK$5,170/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$196,174/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$788,012 · Scale 2, in force from 26 Feb 2026)