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$46,464
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$47,910
−HK$1,468/mo
Today · 4.125%
HK$49,378
baseline
▲ 0.50% · 4.625%
HK$52,383
+HK$3,005/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$98,756/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$787,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,691
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,078
−HK$1,406/mo
Today · 4.125%
HK$54,484
baseline
▲ 0.50% · 4.625%
HK$57,356
+HK$2,872/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$108,968/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$787,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,757
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$57,492
−HK$1,762/mo
Today · 4.125%
HK$59,254
baseline
▲ 0.50% · 4.625%
HK$62,859
+HK$3,605/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$118,508/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$787,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,029
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$63,693
−HK$1,688/mo
Today · 4.125%
HK$65,381
baseline
▲ 0.50% · 4.625%
HK$68,827
+HK$3,446/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$130,762/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$787,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,050
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,074
−HK$2,055/mo
Today · 4.125%
HK$69,129
baseline
▲ 0.50% · 4.625%
HK$73,336
+HK$4,207/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$138,258/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$787,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,368
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$74,309
−HK$1,968/mo
Today · 4.125%
HK$76,277
baseline
▲ 0.50% · 4.625%
HK$80,298
+HK$4,021/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$152,554/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$787,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,636
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$86,237
−HK$2,644/mo
Today · 4.125%
HK$88,881
baseline
▲ 0.50% · 4.625%
HK$94,289
+HK$5,408/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$177,762/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$787,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,044
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$95,540
−HK$2,531/mo
Today · 4.125%
HK$98,071
baseline
▲ 0.50% · 4.625%
HK$103,240
+HK$5,169/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$196,142/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$787,684 · Scale 2, in force from 26 Feb 2026)