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$46,419
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,862
−HK$1,467/mo
Today · 4.125%
HK$49,329
baseline
▲ 0.50% · 4.625%
HK$52,331
+HK$3,002/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$98,658/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$785,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,640
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,025
−HK$1,405/mo
Today · 4.125%
HK$54,430
baseline
▲ 0.50% · 4.625%
HK$57,299
+HK$2,869/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$108,860/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$785,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,702
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$57,435
−HK$1,760/mo
Today · 4.125%
HK$59,195
baseline
▲ 0.50% · 4.625%
HK$62,797
+HK$3,602/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$118,390/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$785,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,968
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,630
−HK$1,686/mo
Today · 4.125%
HK$65,316
baseline
▲ 0.50% · 4.625%
HK$68,759
+HK$3,443/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$130,632/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$785,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,986
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$67,007
−HK$2,054/mo
Today · 4.125%
HK$69,061
baseline
▲ 0.50% · 4.625%
HK$73,263
+HK$4,202/mo
Deposit HK$6.11M · loan HK$14.25M · min. income ≈ HK$138,122/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$785,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,296
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$74,235
−HK$1,967/mo
Today · 4.125%
HK$76,202
baseline
▲ 0.50% · 4.625%
HK$80,219
+HK$4,017/mo
Deposit HK$6.11M · loan HK$14.25M · min. income ≈ HK$152,404/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$785,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,553
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$86,152
−HK$2,641/mo
Today · 4.125%
HK$88,793
baseline
▲ 0.50% · 4.625%
HK$94,196
+HK$5,403/mo
Deposit HK$2.04M · loan HK$18.32M · min. income ≈ HK$177,586/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$785,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,952
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$95,445
−HK$2,529/mo
Today · 4.125%
HK$97,974
baseline
▲ 0.50% · 4.625%
HK$103,139
+HK$5,165/mo
Deposit HK$2.04M · loan HK$18.32M · min. income ≈ HK$195,948/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$785,675 · Scale 2, in force from 26 Feb 2026)