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$46,446
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,891
−HK$1,468/mo
Today · 4.125%
HK$49,359
baseline
▲ 0.50% · 4.625%
HK$52,362
+HK$3,003/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$98,718/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$786,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,671
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,057
−HK$1,405/mo
Today · 4.125%
HK$54,462
baseline
▲ 0.50% · 4.625%
HK$57,333
+HK$2,871/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$108,924/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$786,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,735
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$57,469
−HK$1,761/mo
Today · 4.125%
HK$59,230
baseline
▲ 0.50% · 4.625%
HK$62,834
+HK$3,604/mo
Deposit HK$8.15M · loan HK$12.22M · min. income ≈ HK$118,460/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$786,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,005
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$63,668
−HK$1,687/mo
Today · 4.125%
HK$65,355
baseline
▲ 0.50% · 4.625%
HK$68,800
+HK$3,445/mo
Deposit HK$8.15M · loan HK$12.22M · min. income ≈ HK$130,710/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$786,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,025
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$67,047
−HK$2,055/mo
Today · 4.125%
HK$69,102
baseline
▲ 0.50% · 4.625%
HK$73,307
+HK$4,205/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$138,204/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$786,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,339
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$74,279
−HK$1,968/mo
Today · 4.125%
HK$76,247
baseline
▲ 0.50% · 4.625%
HK$80,267
+HK$4,020/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$152,494/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$786,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,603
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$86,203
−HK$2,643/mo
Today · 4.125%
HK$88,846
baseline
▲ 0.50% · 4.625%
HK$94,252
+HK$5,406/mo
Deposit HK$2.04M · loan HK$18.33M · min. income ≈ HK$177,692/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$786,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,007
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$95,502
−HK$2,530/mo
Today · 4.125%
HK$98,032
baseline
▲ 0.50% · 4.625%
HK$103,200
+HK$5,168/mo
Deposit HK$2.04M · loan HK$18.33M · min. income ≈ HK$196,064/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$786,881 · Scale 2, in force from 26 Feb 2026)