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$46,486
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,932
−HK$1,469/mo
Today · 4.125%
HK$49,401
baseline
▲ 0.50% · 4.625%
HK$52,407
+HK$3,006/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$98,802/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$788,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,715
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$53,102
−HK$1,407/mo
Today · 4.125%
HK$54,509
baseline
▲ 0.50% · 4.625%
HK$57,382
+HK$2,873/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$109,018/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$788,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,783
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$57,518
−HK$1,763/mo
Today · 4.125%
HK$59,281
baseline
▲ 0.50% · 4.625%
HK$62,888
+HK$3,607/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$118,562/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$788,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,058
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$63,722
−HK$1,689/mo
Today · 4.125%
HK$65,411
baseline
▲ 0.50% · 4.625%
HK$68,859
+HK$3,448/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$130,822/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$788,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,080
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$67,104
−HK$2,057/mo
Today · 4.125%
HK$69,161
baseline
▲ 0.50% · 4.625%
HK$73,369
+HK$4,208/mo
Deposit HK$6.12M · loan HK$14.27M · min. income ≈ HK$138,322/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$788,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,401
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$74,343
−HK$1,970/mo
Today · 4.125%
HK$76,313
baseline
▲ 0.50% · 4.625%
HK$80,335
+HK$4,022/mo
Deposit HK$6.12M · loan HK$14.27M · min. income ≈ HK$152,626/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$788,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,674
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$86,277
−HK$2,644/mo
Today · 4.125%
HK$88,921
baseline
▲ 0.50% · 4.625%
HK$94,332
+HK$5,411/mo
Deposit HK$2.04M · loan HK$18.35M · min. income ≈ HK$177,842/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$788,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,087
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$95,583
−HK$2,533/mo
Today · 4.125%
HK$98,116
baseline
▲ 0.50% · 4.625%
HK$103,288
+HK$5,172/mo
Deposit HK$2.04M · loan HK$18.35M · min. income ≈ HK$196,232/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$788,620 · Scale 2, in force from 26 Feb 2026)