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$46,476
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,922
−HK$1,469/mo
Today · 4.125%
HK$49,391
baseline
▲ 0.50% · 4.625%
HK$52,396
+HK$3,005/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$98,782/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$788,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,704
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$53,091
−HK$1,407/mo
Today · 4.125%
HK$54,498
baseline
▲ 0.50% · 4.625%
HK$57,371
+HK$2,873/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$108,996/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$788,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,772
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$57,506
−HK$1,763/mo
Today · 4.125%
HK$59,269
baseline
▲ 0.50% · 4.625%
HK$62,875
+HK$3,606/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$118,538/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$788,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,045
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$63,709
−HK$1,688/mo
Today · 4.125%
HK$65,397
baseline
▲ 0.50% · 4.625%
HK$68,845
+HK$3,448/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$130,794/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$788,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,067
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$67,091
−HK$2,056/mo
Today · 4.125%
HK$69,147
baseline
▲ 0.50% · 4.625%
HK$73,355
+HK$4,208/mo
Deposit HK$6.11M · loan HK$14.27M · min. income ≈ HK$138,294/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$788,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,386
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$74,328
−HK$1,969/mo
Today · 4.125%
HK$76,297
baseline
▲ 0.50% · 4.625%
HK$80,319
+HK$4,022/mo
Deposit HK$6.11M · loan HK$14.27M · min. income ≈ HK$152,594/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$788,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,657
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$86,260
−HK$2,643/mo
Today · 4.125%
HK$88,903
baseline
▲ 0.50% · 4.625%
HK$94,313
+HK$5,410/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$177,806/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$788,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,068
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$95,564
−HK$2,532/mo
Today · 4.125%
HK$98,096
baseline
▲ 0.50% · 4.625%
HK$103,267
+HK$5,171/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$196,192/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$788,205 · Scale 2, in force from 26 Feb 2026)