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$46,459
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,904
−HK$1,468/mo
Today · 4.125%
HK$49,372
baseline
▲ 0.50% · 4.625%
HK$52,376
+HK$3,004/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$98,744/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$787,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,685
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$53,071
−HK$1,406/mo
Today · 4.125%
HK$54,477
baseline
▲ 0.50% · 4.625%
HK$57,349
+HK$2,872/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$108,954/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$787,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,750
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,484
−HK$1,762/mo
Today · 4.125%
HK$59,246
baseline
▲ 0.50% · 4.625%
HK$62,851
+HK$3,605/mo
Deposit HK$8.15M · loan HK$12.22M · min. income ≈ HK$118,492/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$787,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,022
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,685
−HK$1,688/mo
Today · 4.125%
HK$65,373
baseline
▲ 0.50% · 4.625%
HK$68,818
+HK$3,445/mo
Deposit HK$8.15M · loan HK$12.22M · min. income ≈ HK$130,746/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$787,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,042
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,065
−HK$2,056/mo
Today · 4.125%
HK$69,121
baseline
▲ 0.50% · 4.625%
HK$73,327
+HK$4,206/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$138,242/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$787,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,359
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$74,299
−HK$1,969/mo
Today · 4.125%
HK$76,268
baseline
▲ 0.50% · 4.625%
HK$80,288
+HK$4,020/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$152,536/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$787,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,625
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$86,227
−HK$2,643/mo
Today · 4.125%
HK$88,870
baseline
▲ 0.50% · 4.625%
HK$94,277
+HK$5,407/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$177,740/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$787,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,032
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$95,528
−HK$2,531/mo
Today · 4.125%
HK$98,059
baseline
▲ 0.50% · 4.625%
HK$103,228
+HK$5,169/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$196,118/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$787,429 · Scale 2, in force from 26 Feb 2026)