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$46,470
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$47,915
−HK$1,469/mo
Today · 4.125%
HK$49,384
baseline
▲ 0.50% · 4.625%
HK$52,389
+HK$3,005/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$98,768/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$787,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,697
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,083
−HK$1,407/mo
Today · 4.125%
HK$54,490
baseline
▲ 0.50% · 4.625%
HK$57,362
+HK$2,872/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$108,980/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$787,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,764
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,498
−HK$1,762/mo
Today · 4.125%
HK$59,260
baseline
▲ 0.50% · 4.625%
HK$62,866
+HK$3,606/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$118,520/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$787,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,036
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$63,700
−HK$1,688/mo
Today · 4.125%
HK$65,388
baseline
▲ 0.50% · 4.625%
HK$68,835
+HK$3,447/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$130,776/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$787,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,058
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,081
−HK$2,056/mo
Today · 4.125%
HK$69,137
baseline
▲ 0.50% · 4.625%
HK$73,344
+HK$4,207/mo
Deposit HK$6.11M · loan HK$14.27M · min. income ≈ HK$138,274/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$787,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,376
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,317
−HK$1,969/mo
Today · 4.125%
HK$76,286
baseline
▲ 0.50% · 4.625%
HK$80,307
+HK$4,021/mo
Deposit HK$6.11M · loan HK$14.27M · min. income ≈ HK$152,572/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$787,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,645
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$86,247
−HK$2,644/mo
Today · 4.125%
HK$88,891
baseline
▲ 0.50% · 4.625%
HK$94,299
+HK$5,408/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$177,782/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$787,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,055
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$95,550
−HK$2,532/mo
Today · 4.125%
HK$98,082
baseline
▲ 0.50% · 4.625%
HK$103,252
+HK$5,170/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$196,164/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$787,913 · Scale 2, in force from 26 Feb 2026)