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$46,416
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,859
−HK$1,467/mo
Today · 4.125%
HK$49,326
baseline
▲ 0.50% · 4.625%
HK$52,328
+HK$3,002/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$98,652/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$785,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,637
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,022
−HK$1,405/mo
Today · 4.125%
HK$54,427
baseline
▲ 0.50% · 4.625%
HK$57,296
+HK$2,869/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$108,854/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$785,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,699
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$57,431
−HK$1,761/mo
Today · 4.125%
HK$59,192
baseline
▲ 0.50% · 4.625%
HK$62,793
+HK$3,601/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$118,384/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$785,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,964
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,626
−HK$1,686/mo
Today · 4.125%
HK$65,312
baseline
▲ 0.50% · 4.625%
HK$68,755
+HK$3,443/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$130,624/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$785,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,982
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$67,003
−HK$2,054/mo
Today · 4.125%
HK$69,057
baseline
▲ 0.50% · 4.625%
HK$73,259
+HK$4,202/mo
Deposit HK$6.11M · loan HK$14.25M · min. income ≈ HK$138,114/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$785,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,292
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$74,230
−HK$1,967/mo
Today · 4.125%
HK$76,197
baseline
▲ 0.50% · 4.625%
HK$80,214
+HK$4,017/mo
Deposit HK$6.11M · loan HK$14.25M · min. income ≈ HK$152,394/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$785,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,548
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$86,147
−HK$2,640/mo
Today · 4.125%
HK$88,787
baseline
▲ 0.50% · 4.625%
HK$94,190
+HK$5,403/mo
Deposit HK$2.04M · loan HK$18.32M · min. income ≈ HK$177,574/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$785,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,946
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$95,439
−HK$2,529/mo
Today · 4.125%
HK$97,968
baseline
▲ 0.50% · 4.625%
HK$103,132
+HK$5,164/mo
Deposit HK$2.04M · loan HK$18.32M · min. income ≈ HK$195,936/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$785,544 · Scale 2, in force from 26 Feb 2026)