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$46,474
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,920
−HK$1,469/mo
Today · 4.125%
HK$49,389
baseline
▲ 0.50% · 4.625%
HK$52,394
+HK$3,005/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$98,778/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$788,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,702
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,089
−HK$1,406/mo
Today · 4.125%
HK$54,495
baseline
▲ 0.50% · 4.625%
HK$57,368
+HK$2,873/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$108,990/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$788,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,769
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$57,504
−HK$1,762/mo
Today · 4.125%
HK$59,266
baseline
▲ 0.50% · 4.625%
HK$62,872
+HK$3,606/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$118,532/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$788,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,043
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,706
−HK$1,688/mo
Today · 4.125%
HK$65,394
baseline
▲ 0.50% · 4.625%
HK$68,842
+HK$3,448/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$130,788/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$788,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,064
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$67,088
−HK$2,056/mo
Today · 4.125%
HK$69,144
baseline
▲ 0.50% · 4.625%
HK$73,351
+HK$4,207/mo
Deposit HK$6.11M · loan HK$14.27M · min. income ≈ HK$138,288/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$788,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,383
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$74,324
−HK$1,970/mo
Today · 4.125%
HK$76,294
baseline
▲ 0.50% · 4.625%
HK$80,315
+HK$4,021/mo
Deposit HK$6.11M · loan HK$14.27M · min. income ≈ HK$152,588/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$788,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,654
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$86,256
−HK$2,643/mo
Today · 4.125%
HK$88,899
baseline
▲ 0.50% · 4.625%
HK$94,309
+HK$5,410/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$177,798/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$788,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,064
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$95,560
−HK$2,532/mo
Today · 4.125%
HK$98,092
baseline
▲ 0.50% · 4.625%
HK$103,262
+HK$5,170/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$196,184/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$788,114 · Scale 2, in force from 26 Feb 2026)