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$46,455
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,900
−HK$1,468/mo
Today · 4.125%
HK$49,368
baseline
▲ 0.50% · 4.625%
HK$52,372
+HK$3,004/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$98,736/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$787,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,681
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$53,067
−HK$1,406/mo
Today · 4.125%
HK$54,473
baseline
▲ 0.50% · 4.625%
HK$57,345
+HK$2,872/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$108,946/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$787,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,746
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,480
−HK$1,762/mo
Today · 4.125%
HK$59,242
baseline
▲ 0.50% · 4.625%
HK$62,847
+HK$3,605/mo
Deposit HK$8.15M · loan HK$12.22M · min. income ≈ HK$118,484/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$787,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,017
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,680
−HK$1,688/mo
Today · 4.125%
HK$65,368
baseline
▲ 0.50% · 4.625%
HK$68,813
+HK$3,445/mo
Deposit HK$8.15M · loan HK$12.22M · min. income ≈ HK$130,736/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$787,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,037
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,060
−HK$2,056/mo
Today · 4.125%
HK$69,116
baseline
▲ 0.50% · 4.625%
HK$73,321
+HK$4,205/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$138,232/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$787,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,353
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$74,294
−HK$1,968/mo
Today · 4.125%
HK$76,262
baseline
▲ 0.50% · 4.625%
HK$80,282
+HK$4,020/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$152,524/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$787,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,619
−HK$5,244/mo
▼ 0.25% · 3.875%
HK$86,221
−HK$2,642/mo
Today · 4.125%
HK$88,863
baseline
▲ 0.50% · 4.625%
HK$94,270
+HK$5,407/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$177,726/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$787,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,026
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$95,521
−HK$2,531/mo
Today · 4.125%
HK$98,052
baseline
▲ 0.50% · 4.625%
HK$103,220
+HK$5,168/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$196,104/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$787,283 · Scale 2, in force from 26 Feb 2026)