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$46,442
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$47,887
−HK$1,467/mo
Today · 4.125%
HK$49,354
baseline
▲ 0.50% · 4.625%
HK$52,358
+HK$3,004/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$98,708/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$786,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,666
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$53,052
−HK$1,406/mo
Today · 4.125%
HK$54,458
baseline
▲ 0.50% · 4.625%
HK$57,328
+HK$2,870/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$108,916/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$786,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,731
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$57,464
−HK$1,761/mo
Today · 4.125%
HK$59,225
baseline
▲ 0.50% · 4.625%
HK$62,829
+HK$3,604/mo
Deposit HK$8.15M · loan HK$12.22M · min. income ≈ HK$118,450/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$786,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,000
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$63,662
−HK$1,687/mo
Today · 4.125%
HK$65,349
baseline
▲ 0.50% · 4.625%
HK$68,794
+HK$3,445/mo
Deposit HK$8.15M · loan HK$12.22M · min. income ≈ HK$130,698/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$786,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,019
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$67,041
−HK$2,055/mo
Today · 4.125%
HK$69,096
baseline
▲ 0.50% · 4.625%
HK$73,301
+HK$4,205/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$138,192/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$786,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,333
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$74,273
−HK$1,968/mo
Today · 4.125%
HK$76,241
baseline
▲ 0.50% · 4.625%
HK$80,260
+HK$4,019/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$152,482/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$786,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,596
−HK$5,242/mo
▼ 0.25% · 3.875%
HK$86,196
−HK$2,642/mo
Today · 4.125%
HK$88,838
baseline
▲ 0.50% · 4.625%
HK$94,244
+HK$5,406/mo
Deposit HK$2.04M · loan HK$18.33M · min. income ≈ HK$177,676/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$786,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,999
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$95,494
−HK$2,530/mo
Today · 4.125%
HK$98,024
baseline
▲ 0.50% · 4.625%
HK$103,191
+HK$5,167/mo
Deposit HK$2.04M · loan HK$18.33M · min. income ≈ HK$196,048/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$786,705 · Scale 2, in force from 26 Feb 2026)