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$46,478
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$47,924
−HK$1,468/mo
Today · 4.125%
HK$49,392
baseline
▲ 0.50% · 4.625%
HK$52,398
+HK$3,006/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$98,784/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$788,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,706
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$53,093
−HK$1,407/mo
Today · 4.125%
HK$54,500
baseline
▲ 0.50% · 4.625%
HK$57,372
+HK$2,872/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$109,000/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$788,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,773
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$57,508
−HK$1,763/mo
Today · 4.125%
HK$59,271
baseline
▲ 0.50% · 4.625%
HK$62,877
+HK$3,606/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$118,542/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$788,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,047
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$63,712
−HK$1,688/mo
Today · 4.125%
HK$65,400
baseline
▲ 0.50% · 4.625%
HK$68,847
+HK$3,447/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$130,800/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$788,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,069
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$67,093
−HK$2,056/mo
Today · 4.125%
HK$69,149
baseline
▲ 0.50% · 4.625%
HK$73,357
+HK$4,208/mo
Deposit HK$6.11M · loan HK$14.27M · min. income ≈ HK$138,298/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$788,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,389
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$74,330
−HK$1,970/mo
Today · 4.125%
HK$76,300
baseline
▲ 0.50% · 4.625%
HK$80,321
+HK$4,021/mo
Deposit HK$6.11M · loan HK$14.27M · min. income ≈ HK$152,600/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$788,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,660
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$86,263
−HK$2,643/mo
Today · 4.125%
HK$88,906
baseline
▲ 0.50% · 4.625%
HK$94,316
+HK$5,410/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$177,812/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$788,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,071
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$95,567
−HK$2,532/mo
Today · 4.125%
HK$98,099
baseline
▲ 0.50% · 4.625%
HK$103,270
+HK$5,171/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$196,198/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$788,275 · Scale 2, in force from 26 Feb 2026)