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$46,465
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$47,911
−HK$1,468/mo
Today · 4.125%
HK$49,379
baseline
▲ 0.50% · 4.625%
HK$52,384
+HK$3,005/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$98,758/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$787,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,692
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,079
−HK$1,406/mo
Today · 4.125%
HK$54,485
baseline
▲ 0.50% · 4.625%
HK$57,357
+HK$2,872/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$108,970/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$787,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,758
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$57,493
−HK$1,762/mo
Today · 4.125%
HK$59,255
baseline
▲ 0.50% · 4.625%
HK$62,861
+HK$3,606/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$118,510/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$787,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,031
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,694
−HK$1,688/mo
Today · 4.125%
HK$65,382
baseline
▲ 0.50% · 4.625%
HK$68,828
+HK$3,446/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$130,764/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$787,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,052
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,075
−HK$2,056/mo
Today · 4.125%
HK$69,131
baseline
▲ 0.50% · 4.625%
HK$73,337
+HK$4,206/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$138,262/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$787,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,369
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,310
−HK$1,969/mo
Today · 4.125%
HK$76,279
baseline
▲ 0.50% · 4.625%
HK$80,300
+HK$4,021/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$152,558/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$787,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,638
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$86,239
−HK$2,644/mo
Today · 4.125%
HK$88,883
baseline
▲ 0.50% · 4.625%
HK$94,291
+HK$5,408/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$177,766/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$787,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,046
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$95,542
−HK$2,531/mo
Today · 4.125%
HK$98,073
baseline
▲ 0.50% · 4.625%
HK$103,243
+HK$5,170/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$196,146/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$787,726 · Scale 2, in force from 26 Feb 2026)