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$46,444
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,889
−HK$1,468/mo
Today · 4.125%
HK$49,357
baseline
▲ 0.50% · 4.625%
HK$52,360
+HK$3,003/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$98,714/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$786,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,669
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,055
−HK$1,405/mo
Today · 4.125%
HK$54,460
baseline
▲ 0.50% · 4.625%
HK$57,331
+HK$2,871/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$108,920/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$786,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,733
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$57,467
−HK$1,761/mo
Today · 4.125%
HK$59,228
baseline
▲ 0.50% · 4.625%
HK$62,832
+HK$3,604/mo
Deposit HK$8.15M · loan HK$12.22M · min. income ≈ HK$118,456/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$786,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,003
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$63,666
−HK$1,687/mo
Today · 4.125%
HK$65,353
baseline
▲ 0.50% · 4.625%
HK$68,797
+HK$3,444/mo
Deposit HK$8.15M · loan HK$12.22M · min. income ≈ HK$130,706/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$786,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,022
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$67,045
−HK$2,055/mo
Today · 4.125%
HK$69,100
baseline
▲ 0.50% · 4.625%
HK$73,304
+HK$4,204/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$138,200/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$786,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,336
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$74,277
−HK$1,968/mo
Today · 4.125%
HK$76,245
baseline
▲ 0.50% · 4.625%
HK$80,264
+HK$4,019/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$152,490/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$786,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,600
−HK$5,242/mo
▼ 0.25% · 3.875%
HK$86,200
−HK$2,642/mo
Today · 4.125%
HK$88,842
baseline
▲ 0.50% · 4.625%
HK$94,248
+HK$5,406/mo
Deposit HK$2.04M · loan HK$18.33M · min. income ≈ HK$177,684/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$786,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,004
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$95,498
−HK$2,531/mo
Today · 4.125%
HK$98,029
baseline
▲ 0.50% · 4.625%
HK$103,196
+HK$5,167/mo
Deposit HK$2.04M · loan HK$18.33M · min. income ≈ HK$196,058/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$786,806 · Scale 2, in force from 26 Feb 2026)