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$46,485
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,931
−HK$1,469/mo
Today · 4.125%
HK$49,400
baseline
▲ 0.50% · 4.625%
HK$52,405
+HK$3,005/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$98,800/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$788,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,714
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$53,101
−HK$1,407/mo
Today · 4.125%
HK$54,508
baseline
▲ 0.50% · 4.625%
HK$57,381
+HK$2,873/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$109,016/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$788,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,782
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$57,517
−HK$1,763/mo
Today · 4.125%
HK$59,280
baseline
▲ 0.50% · 4.625%
HK$62,887
+HK$3,607/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$118,560/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$788,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,056
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$63,721
−HK$1,688/mo
Today · 4.125%
HK$65,409
baseline
▲ 0.50% · 4.625%
HK$68,857
+HK$3,448/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$130,818/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$788,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,078
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$67,103
−HK$2,056/mo
Today · 4.125%
HK$69,159
baseline
▲ 0.50% · 4.625%
HK$73,368
+HK$4,209/mo
Deposit HK$6.12M · loan HK$14.27M · min. income ≈ HK$138,318/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$788,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,399
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$74,341
−HK$1,970/mo
Today · 4.125%
HK$76,311
baseline
▲ 0.50% · 4.625%
HK$80,333
+HK$4,022/mo
Deposit HK$6.12M · loan HK$14.27M · min. income ≈ HK$152,622/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$788,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,672
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$86,275
−HK$2,644/mo
Today · 4.125%
HK$88,919
baseline
▲ 0.50% · 4.625%
HK$94,330
+HK$5,411/mo
Deposit HK$2.04M · loan HK$18.35M · min. income ≈ HK$177,838/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$788,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,085
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$95,581
−HK$2,533/mo
Today · 4.125%
HK$98,114
baseline
▲ 0.50% · 4.625%
HK$103,285
+HK$5,171/mo
Deposit HK$2.04M · loan HK$18.35M · min. income ≈ HK$196,228/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$788,571 · Scale 2, in force from 26 Feb 2026)