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$46,492
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,938
−HK$1,469/mo
Today · 4.125%
HK$49,407
baseline
▲ 0.50% · 4.625%
HK$52,414
+HK$3,007/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$98,814/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$788,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,722
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$53,109
−HK$1,407/mo
Today · 4.125%
HK$54,516
baseline
▲ 0.50% · 4.625%
HK$57,390
+HK$2,874/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$109,032/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$788,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,790
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$57,526
−HK$1,763/mo
Today · 4.125%
HK$59,289
baseline
▲ 0.50% · 4.625%
HK$62,896
+HK$3,607/mo
Deposit HK$8.16M · loan HK$12.23M · min. income ≈ HK$118,578/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$788,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,066
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$63,731
−HK$1,688/mo
Today · 4.125%
HK$65,419
baseline
▲ 0.50% · 4.625%
HK$68,868
+HK$3,449/mo
Deposit HK$8.16M · loan HK$12.23M · min. income ≈ HK$130,838/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$788,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,089
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$67,113
−HK$2,057/mo
Today · 4.125%
HK$69,170
baseline
▲ 0.50% · 4.625%
HK$73,379
+HK$4,209/mo
Deposit HK$6.12M · loan HK$14.27M · min. income ≈ HK$138,340/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$788,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,410
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$74,352
−HK$1,971/mo
Today · 4.125%
HK$76,323
baseline
▲ 0.50% · 4.625%
HK$80,346
+HK$4,023/mo
Deposit HK$6.12M · loan HK$14.27M · min. income ≈ HK$152,646/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$788,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,685
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$86,288
−HK$2,645/mo
Today · 4.125%
HK$88,933
baseline
▲ 0.50% · 4.625%
HK$94,345
+HK$5,412/mo
Deposit HK$2.04M · loan HK$18.35M · min. income ≈ HK$177,866/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$788,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,099
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$95,596
−HK$2,533/mo
Today · 4.125%
HK$98,129
baseline
▲ 0.50% · 4.625%
HK$103,302
+HK$5,173/mo
Deposit HK$2.04M · loan HK$18.35M · min. income ≈ HK$196,258/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$788,888 · Scale 2, in force from 26 Feb 2026)