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$46,454
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,899
−HK$1,468/mo
Today · 4.125%
HK$49,367
baseline
▲ 0.50% · 4.625%
HK$52,371
+HK$3,004/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$98,734/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$787,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,679
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$53,065
−HK$1,406/mo
Today · 4.125%
HK$54,471
baseline
▲ 0.50% · 4.625%
HK$57,343
+HK$2,872/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$108,942/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$787,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,744
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,478
−HK$1,762/mo
Today · 4.125%
HK$59,240
baseline
▲ 0.50% · 4.625%
HK$62,845
+HK$3,605/mo
Deposit HK$8.15M · loan HK$12.22M · min. income ≈ HK$118,480/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$787,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,015
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,678
−HK$1,688/mo
Today · 4.125%
HK$65,366
baseline
▲ 0.50% · 4.625%
HK$68,811
+HK$3,445/mo
Deposit HK$8.15M · loan HK$12.22M · min. income ≈ HK$130,732/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$787,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,035
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,058
−HK$2,056/mo
Today · 4.125%
HK$69,114
baseline
▲ 0.50% · 4.625%
HK$73,319
+HK$4,205/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$138,228/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$787,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,351
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$74,291
−HK$1,969/mo
Today · 4.125%
HK$76,260
baseline
▲ 0.50% · 4.625%
HK$80,280
+HK$4,020/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$152,520/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$787,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,617
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$86,218
−HK$2,642/mo
Today · 4.125%
HK$88,860
baseline
▲ 0.50% · 4.625%
HK$94,267
+HK$5,407/mo
Deposit HK$2.04M · loan HK$18.33M · min. income ≈ HK$177,720/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$787,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,023
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$95,518
−HK$2,531/mo
Today · 4.125%
HK$98,049
baseline
▲ 0.50% · 4.625%
HK$103,217
+HK$5,168/mo
Deposit HK$2.04M · loan HK$18.33M · min. income ≈ HK$196,098/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$787,216 · Scale 2, in force from 26 Feb 2026)