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$46,450
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,895
−HK$1,468/mo
Today · 4.125%
HK$49,363
baseline
▲ 0.50% · 4.625%
HK$52,367
+HK$3,004/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$98,726/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$787,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,675
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$53,061
−HK$1,406/mo
Today · 4.125%
HK$54,467
baseline
▲ 0.50% · 4.625%
HK$57,338
+HK$2,871/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$108,934/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$787,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,740
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,474
−HK$1,762/mo
Today · 4.125%
HK$59,236
baseline
▲ 0.50% · 4.625%
HK$62,840
+HK$3,604/mo
Deposit HK$8.15M · loan HK$12.22M · min. income ≈ HK$118,472/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$787,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,010
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,674
−HK$1,687/mo
Today · 4.125%
HK$65,361
baseline
▲ 0.50% · 4.625%
HK$68,806
+HK$3,445/mo
Deposit HK$8.15M · loan HK$12.22M · min. income ≈ HK$130,722/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$787,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,030
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$67,053
−HK$2,055/mo
Today · 4.125%
HK$69,108
baseline
▲ 0.50% · 4.625%
HK$73,313
+HK$4,205/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$138,216/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$787,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,346
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$74,286
−HK$1,968/mo
Today · 4.125%
HK$76,254
baseline
▲ 0.50% · 4.625%
HK$80,274
+HK$4,020/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$152,508/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$787,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,610
−HK$5,244/mo
▼ 0.25% · 3.875%
HK$86,211
−HK$2,643/mo
Today · 4.125%
HK$88,854
baseline
▲ 0.50% · 4.625%
HK$94,260
+HK$5,406/mo
Deposit HK$2.04M · loan HK$18.33M · min. income ≈ HK$177,708/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$787,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,016
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$95,510
−HK$2,531/mo
Today · 4.125%
HK$98,041
baseline
▲ 0.50% · 4.625%
HK$103,209
+HK$5,168/mo
Deposit HK$2.04M · loan HK$18.33M · min. income ≈ HK$196,082/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$787,062 · Scale 2, in force from 26 Feb 2026)