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$46,412
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,855
−HK$1,467/mo
Today · 4.125%
HK$49,322
baseline
▲ 0.50% · 4.625%
HK$52,323
+HK$3,001/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$98,644/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$785,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,632
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,017
−HK$1,405/mo
Today · 4.125%
HK$54,422
baseline
▲ 0.50% · 4.625%
HK$57,291
+HK$2,869/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$108,844/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$785,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,694
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$57,426
−HK$1,760/mo
Today · 4.125%
HK$59,186
baseline
▲ 0.50% · 4.625%
HK$62,788
+HK$3,602/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$118,372/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$785,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,959
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$63,621
−HK$1,685/mo
Today · 4.125%
HK$65,306
baseline
▲ 0.50% · 4.625%
HK$68,749
+HK$3,443/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$130,612/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$785,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,976
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$66,997
−HK$2,054/mo
Today · 4.125%
HK$69,051
baseline
▲ 0.50% · 4.625%
HK$73,252
+HK$4,201/mo
Deposit HK$6.11M · loan HK$14.25M · min. income ≈ HK$138,102/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$785,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,285
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$74,224
−HK$1,967/mo
Today · 4.125%
HK$76,191
baseline
▲ 0.50% · 4.625%
HK$80,207
+HK$4,016/mo
Deposit HK$6.11M · loan HK$14.25M · min. income ≈ HK$152,382/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$785,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,541
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$86,139
−HK$2,641/mo
Today · 4.125%
HK$88,780
baseline
▲ 0.50% · 4.625%
HK$94,182
+HK$5,402/mo
Deposit HK$2.04M · loan HK$18.32M · min. income ≈ HK$177,560/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$785,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,938
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$95,431
−HK$2,528/mo
Today · 4.125%
HK$97,959
baseline
▲ 0.50% · 4.625%
HK$103,123
+HK$5,164/mo
Deposit HK$2.04M · loan HK$18.32M · min. income ≈ HK$195,918/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$785,366 · Scale 2, in force from 26 Feb 2026)