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$46,447
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,892
−HK$1,468/mo
Today · 4.125%
HK$49,360
baseline
▲ 0.50% · 4.625%
HK$52,364
+HK$3,004/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$98,720/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$786,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,672
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$53,058
−HK$1,406/mo
Today · 4.125%
HK$54,464
baseline
▲ 0.50% · 4.625%
HK$57,335
+HK$2,871/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$108,928/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$786,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,737
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$57,471
−HK$1,761/mo
Today · 4.125%
HK$59,232
baseline
▲ 0.50% · 4.625%
HK$62,836
+HK$3,604/mo
Deposit HK$8.15M · loan HK$12.22M · min. income ≈ HK$118,464/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$786,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,007
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$63,670
−HK$1,687/mo
Today · 4.125%
HK$65,357
baseline
▲ 0.50% · 4.625%
HK$68,802
+HK$3,445/mo
Deposit HK$8.15M · loan HK$12.22M · min. income ≈ HK$130,714/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$786,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,026
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$67,049
−HK$2,055/mo
Today · 4.125%
HK$69,104
baseline
▲ 0.50% · 4.625%
HK$73,309
+HK$4,205/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$138,208/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$786,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,341
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$74,281
−HK$1,969/mo
Today · 4.125%
HK$76,250
baseline
▲ 0.50% · 4.625%
HK$80,269
+HK$4,019/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$152,500/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$786,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,605
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$86,206
−HK$2,642/mo
Today · 4.125%
HK$88,848
baseline
▲ 0.50% · 4.625%
HK$94,254
+HK$5,406/mo
Deposit HK$2.04M · loan HK$18.33M · min. income ≈ HK$177,696/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$786,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,010
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$95,505
−HK$2,530/mo
Today · 4.125%
HK$98,035
baseline
▲ 0.50% · 4.625%
HK$103,203
+HK$5,168/mo
Deposit HK$2.04M · loan HK$18.33M · min. income ≈ HK$196,070/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$786,939 · Scale 2, in force from 26 Feb 2026)