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$46,432
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$47,876
−HK$1,468/mo
Today · 4.125%
HK$49,344
baseline
▲ 0.50% · 4.625%
HK$52,346
+HK$3,002/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$98,688/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$786,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,655
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,040
−HK$1,406/mo
Today · 4.125%
HK$54,446
baseline
▲ 0.50% · 4.625%
HK$57,316
+HK$2,870/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$108,892/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$786,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,718
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$57,452
−HK$1,760/mo
Today · 4.125%
HK$59,212
baseline
▲ 0.50% · 4.625%
HK$62,815
+HK$3,603/mo
Deposit HK$8.15M · loan HK$12.22M · min. income ≈ HK$118,424/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$786,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,986
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$63,649
−HK$1,686/mo
Today · 4.125%
HK$65,335
baseline
▲ 0.50% · 4.625%
HK$68,779
+HK$3,444/mo
Deposit HK$8.15M · loan HK$12.22M · min. income ≈ HK$130,670/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$786,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,005
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$67,027
−HK$2,054/mo
Today · 4.125%
HK$69,081
baseline
▲ 0.50% · 4.625%
HK$73,285
+HK$4,204/mo
Deposit HK$6.11M · loan HK$14.25M · min. income ≈ HK$138,162/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$786,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,317
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$74,257
−HK$1,967/mo
Today · 4.125%
HK$76,224
baseline
▲ 0.50% · 4.625%
HK$80,242
+HK$4,018/mo
Deposit HK$6.11M · loan HK$14.25M · min. income ≈ HK$152,448/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$786,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,578
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$86,177
−HK$2,642/mo
Today · 4.125%
HK$88,819
baseline
▲ 0.50% · 4.625%
HK$94,223
+HK$5,404/mo
Deposit HK$2.04M · loan HK$18.33M · min. income ≈ HK$177,638/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$786,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,979
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$95,473
−HK$2,530/mo
Today · 4.125%
HK$98,003
baseline
▲ 0.50% · 4.625%
HK$103,168
+HK$5,165/mo
Deposit HK$2.04M · loan HK$18.33M · min. income ≈ HK$196,006/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$786,261 · Scale 2, in force from 26 Feb 2026)