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$46,411
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,854
−HK$1,467/mo
Today · 4.125%
HK$49,321
baseline
▲ 0.50% · 4.625%
HK$52,322
+HK$3,001/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$98,642/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$785,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,631
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,016
−HK$1,405/mo
Today · 4.125%
HK$54,421
baseline
▲ 0.50% · 4.625%
HK$57,290
+HK$2,869/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$108,842/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$785,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,693
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$57,425
−HK$1,760/mo
Today · 4.125%
HK$59,185
baseline
▲ 0.50% · 4.625%
HK$62,787
+HK$3,602/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$118,370/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$785,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,958
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$63,619
−HK$1,686/mo
Today · 4.125%
HK$65,305
baseline
▲ 0.50% · 4.625%
HK$68,748
+HK$3,443/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$130,610/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$785,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,975
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$66,996
−HK$2,054/mo
Today · 4.125%
HK$69,050
baseline
▲ 0.50% · 4.625%
HK$73,251
+HK$4,201/mo
Deposit HK$6.11M · loan HK$14.25M · min. income ≈ HK$138,100/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$785,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,284
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$74,223
−HK$1,966/mo
Today · 4.125%
HK$76,189
baseline
▲ 0.50% · 4.625%
HK$80,205
+HK$4,016/mo
Deposit HK$6.11M · loan HK$14.25M · min. income ≈ HK$152,378/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$785,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,539
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$86,138
−HK$2,640/mo
Today · 4.125%
HK$88,778
baseline
▲ 0.50% · 4.625%
HK$94,180
+HK$5,402/mo
Deposit HK$2.04M · loan HK$18.32M · min. income ≈ HK$177,556/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$785,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,937
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$95,429
−HK$2,529/mo
Today · 4.125%
HK$97,958
baseline
▲ 0.50% · 4.625%
HK$103,121
+HK$5,163/mo
Deposit HK$2.04M · loan HK$18.32M · min. income ≈ HK$195,916/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$785,331 · Scale 2, in force from 26 Feb 2026)