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$46,443
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,888
−HK$1,468/mo
Today · 4.125%
HK$49,356
baseline
▲ 0.50% · 4.625%
HK$52,359
+HK$3,003/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$98,712/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$786,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,668
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,054
−HK$1,405/mo
Today · 4.125%
HK$54,459
baseline
▲ 0.50% · 4.625%
HK$57,330
+HK$2,871/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$108,918/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$786,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,732
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$57,466
−HK$1,761/mo
Today · 4.125%
HK$59,227
baseline
▲ 0.50% · 4.625%
HK$62,831
+HK$3,604/mo
Deposit HK$8.15M · loan HK$12.22M · min. income ≈ HK$118,454/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$786,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,001
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$63,664
−HK$1,687/mo
Today · 4.125%
HK$65,351
baseline
▲ 0.50% · 4.625%
HK$68,796
+HK$3,445/mo
Deposit HK$8.15M · loan HK$12.22M · min. income ≈ HK$130,702/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$786,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,021
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$67,043
−HK$2,055/mo
Today · 4.125%
HK$69,098
baseline
▲ 0.50% · 4.625%
HK$73,303
+HK$4,205/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$138,196/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$786,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,335
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$74,275
−HK$1,968/mo
Today · 4.125%
HK$76,243
baseline
▲ 0.50% · 4.625%
HK$80,262
+HK$4,019/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$152,486/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$786,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,598
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$86,199
−HK$2,642/mo
Today · 4.125%
HK$88,841
baseline
▲ 0.50% · 4.625%
HK$94,246
+HK$5,405/mo
Deposit HK$2.04M · loan HK$18.33M · min. income ≈ HK$177,682/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$786,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,002
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$95,496
−HK$2,531/mo
Today · 4.125%
HK$98,027
baseline
▲ 0.50% · 4.625%
HK$103,194
+HK$5,167/mo
Deposit HK$2.04M · loan HK$18.33M · min. income ≈ HK$196,054/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$786,764 · Scale 2, in force from 26 Feb 2026)