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$46,477
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$47,922
−HK$1,469/mo
Today · 4.125%
HK$49,391
baseline
▲ 0.50% · 4.625%
HK$52,397
+HK$3,006/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$98,782/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$788,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,705
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,092
−HK$1,406/mo
Today · 4.125%
HK$54,498
baseline
▲ 0.50% · 4.625%
HK$57,371
+HK$2,873/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$108,996/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$788,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,772
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$57,507
−HK$1,762/mo
Today · 4.125%
HK$59,269
baseline
▲ 0.50% · 4.625%
HK$62,876
+HK$3,607/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$118,538/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$788,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,046
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$63,710
−HK$1,688/mo
Today · 4.125%
HK$65,398
baseline
▲ 0.50% · 4.625%
HK$68,845
+HK$3,447/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$130,796/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$788,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,067
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$67,091
−HK$2,057/mo
Today · 4.125%
HK$69,148
baseline
▲ 0.50% · 4.625%
HK$73,355
+HK$4,207/mo
Deposit HK$6.11M · loan HK$14.27M · min. income ≈ HK$138,296/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$788,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,387
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$74,328
−HK$1,970/mo
Today · 4.125%
HK$76,298
baseline
▲ 0.50% · 4.625%
HK$80,319
+HK$4,021/mo
Deposit HK$6.11M · loan HK$14.27M · min. income ≈ HK$152,596/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$788,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,658
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$86,260
−HK$2,644/mo
Today · 4.125%
HK$88,904
baseline
▲ 0.50% · 4.625%
HK$94,314
+HK$5,410/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$177,808/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$788,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,069
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$95,565
−HK$2,532/mo
Today · 4.125%
HK$98,097
baseline
▲ 0.50% · 4.625%
HK$103,268
+HK$5,171/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$196,194/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$788,224 · Scale 2, in force from 26 Feb 2026)