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$46,445
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,890
−HK$1,468/mo
Today · 4.125%
HK$49,358
baseline
▲ 0.50% · 4.625%
HK$52,361
+HK$3,003/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$98,716/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$786,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,670
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,055
−HK$1,406/mo
Today · 4.125%
HK$54,461
baseline
▲ 0.50% · 4.625%
HK$57,332
+HK$2,871/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$108,922/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$786,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,734
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$57,468
−HK$1,761/mo
Today · 4.125%
HK$59,229
baseline
▲ 0.50% · 4.625%
HK$62,833
+HK$3,604/mo
Deposit HK$8.15M · loan HK$12.22M · min. income ≈ HK$118,458/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$786,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,004
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$63,667
−HK$1,686/mo
Today · 4.125%
HK$65,353
baseline
▲ 0.50% · 4.625%
HK$68,798
+HK$3,445/mo
Deposit HK$8.15M · loan HK$12.22M · min. income ≈ HK$130,706/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$786,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,023
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$67,046
−HK$2,055/mo
Today · 4.125%
HK$69,101
baseline
▲ 0.50% · 4.625%
HK$73,305
+HK$4,204/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$138,202/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$786,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,338
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$74,278
−HK$1,968/mo
Today · 4.125%
HK$76,246
baseline
▲ 0.50% · 4.625%
HK$80,265
+HK$4,019/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$152,492/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$786,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,601
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$86,202
−HK$2,642/mo
Today · 4.125%
HK$88,844
baseline
▲ 0.50% · 4.625%
HK$94,250
+HK$5,406/mo
Deposit HK$2.04M · loan HK$18.33M · min. income ≈ HK$177,688/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$786,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,005
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$95,500
−HK$2,530/mo
Today · 4.125%
HK$98,030
baseline
▲ 0.50% · 4.625%
HK$103,198
+HK$5,168/mo
Deposit HK$2.04M · loan HK$18.33M · min. income ≈ HK$196,060/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$786,836 · Scale 2, in force from 26 Feb 2026)