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$46,463
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$47,909
−HK$1,468/mo
Today · 4.125%
HK$49,377
baseline
▲ 0.50% · 4.625%
HK$52,381
+HK$3,004/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$98,754/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$787,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,690
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,076
−HK$1,407/mo
Today · 4.125%
HK$54,483
baseline
▲ 0.50% · 4.625%
HK$57,354
+HK$2,871/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$108,966/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$787,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,756
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,490
−HK$1,762/mo
Today · 4.125%
HK$59,252
baseline
▲ 0.50% · 4.625%
HK$62,858
+HK$3,606/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$118,504/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$787,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,028
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,692
−HK$1,687/mo
Today · 4.125%
HK$65,379
baseline
▲ 0.50% · 4.625%
HK$68,825
+HK$3,446/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$130,758/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$787,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,049
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,072
−HK$2,056/mo
Today · 4.125%
HK$69,128
baseline
▲ 0.50% · 4.625%
HK$73,334
+HK$4,206/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$138,256/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$787,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,366
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,307
−HK$1,969/mo
Today · 4.125%
HK$76,276
baseline
▲ 0.50% · 4.625%
HK$80,296
+HK$4,020/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$152,552/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$787,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,634
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$86,235
−HK$2,644/mo
Today · 4.125%
HK$88,879
baseline
▲ 0.50% · 4.625%
HK$94,287
+HK$5,408/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$177,758/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$787,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,042
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$95,537
−HK$2,532/mo
Today · 4.125%
HK$98,069
baseline
▲ 0.50% · 4.625%
HK$103,238
+HK$5,169/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$196,138/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$787,636 · Scale 2, in force from 26 Feb 2026)