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$46,424
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$47,868
−HK$1,467/mo
Today · 4.125%
HK$49,335
baseline
▲ 0.50% · 4.625%
HK$52,337
+HK$3,002/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$98,670/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$785,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,646
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,031
−HK$1,405/mo
Today · 4.125%
HK$54,436
baseline
▲ 0.50% · 4.625%
HK$57,305
+HK$2,869/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$108,872/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$785,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,708
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$57,441
−HK$1,761/mo
Today · 4.125%
HK$59,202
baseline
▲ 0.50% · 4.625%
HK$62,804
+HK$3,602/mo
Deposit HK$8.14M · loan HK$12.22M · min. income ≈ HK$118,404/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$785,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,975
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,637
−HK$1,686/mo
Today · 4.125%
HK$65,323
baseline
▲ 0.50% · 4.625%
HK$68,766
+HK$3,443/mo
Deposit HK$8.14M · loan HK$12.22M · min. income ≈ HK$130,646/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$785,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,993
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$67,015
−HK$2,054/mo
Today · 4.125%
HK$69,069
baseline
▲ 0.50% · 4.625%
HK$73,271
+HK$4,202/mo
Deposit HK$6.11M · loan HK$14.25M · min. income ≈ HK$138,138/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$785,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,304
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$74,243
−HK$1,967/mo
Today · 4.125%
HK$76,210
baseline
▲ 0.50% · 4.625%
HK$80,228
+HK$4,018/mo
Deposit HK$6.11M · loan HK$14.25M · min. income ≈ HK$152,420/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$785,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,562
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$86,162
−HK$2,640/mo
Today · 4.125%
HK$88,802
baseline
▲ 0.50% · 4.625%
HK$94,206
+HK$5,404/mo
Deposit HK$2.04M · loan HK$18.32M · min. income ≈ HK$177,604/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$785,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,962
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$95,456
−HK$2,529/mo
Today · 4.125%
HK$97,985
baseline
▲ 0.50% · 4.625%
HK$103,150
+HK$5,165/mo
Deposit HK$2.04M · loan HK$18.32M · min. income ≈ HK$195,970/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$785,892 · Scale 2, in force from 26 Feb 2026)