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$46,467
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$47,912
−HK$1,469/mo
Today · 4.125%
HK$49,381
baseline
▲ 0.50% · 4.625%
HK$52,386
+HK$3,005/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$98,762/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$787,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,694
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,081
−HK$1,406/mo
Today · 4.125%
HK$54,487
baseline
▲ 0.50% · 4.625%
HK$57,359
+HK$2,872/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$108,974/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$787,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,760
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$57,495
−HK$1,762/mo
Today · 4.125%
HK$59,257
baseline
▲ 0.50% · 4.625%
HK$62,863
+HK$3,606/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$118,514/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$787,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,033
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,697
−HK$1,687/mo
Today · 4.125%
HK$65,384
baseline
▲ 0.50% · 4.625%
HK$68,831
+HK$3,447/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$130,768/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$787,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,054
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,077
−HK$2,056/mo
Today · 4.125%
HK$69,133
baseline
▲ 0.50% · 4.625%
HK$73,340
+HK$4,207/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$138,266/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$787,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,372
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,313
−HK$1,969/mo
Today · 4.125%
HK$76,282
baseline
▲ 0.50% · 4.625%
HK$80,303
+HK$4,021/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$152,564/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$787,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,641
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$86,242
−HK$2,644/mo
Today · 4.125%
HK$88,886
baseline
▲ 0.50% · 4.625%
HK$94,294
+HK$5,408/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$177,772/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$787,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,049
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$95,545
−HK$2,532/mo
Today · 4.125%
HK$98,077
baseline
▲ 0.50% · 4.625%
HK$103,246
+HK$5,169/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$196,154/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$787,801 · Scale 2, in force from 26 Feb 2026)