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$46,465
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$47,910
−HK$1,469/mo
Today · 4.125%
HK$49,379
baseline
▲ 0.50% · 4.625%
HK$52,383
+HK$3,004/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$98,758/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$787,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,692
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,078
−HK$1,407/mo
Today · 4.125%
HK$54,485
baseline
▲ 0.50% · 4.625%
HK$57,357
+HK$2,872/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$108,970/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$787,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,758
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,492
−HK$1,762/mo
Today · 4.125%
HK$59,254
baseline
▲ 0.50% · 4.625%
HK$62,860
+HK$3,606/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$787,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,030
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,694
−HK$1,687/mo
Today · 4.125%
HK$65,381
baseline
▲ 0.50% · 4.625%
HK$68,828
+HK$3,447/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$787,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,051
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,074
−HK$2,056/mo
Today · 4.125%
HK$69,130
baseline
▲ 0.50% · 4.625%
HK$73,337
+HK$4,207/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$138,260/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$787,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,369
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$74,309
−HK$1,969/mo
Today · 4.125%
HK$76,278
baseline
▲ 0.50% · 4.625%
HK$80,299
+HK$4,021/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$152,556/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$787,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,637
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$86,239
−HK$2,643/mo
Today · 4.125%
HK$88,882
baseline
▲ 0.50% · 4.625%
HK$94,290
+HK$5,408/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$177,764/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$787,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,045
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$95,541
−HK$2,531/mo
Today · 4.125%
HK$98,072
baseline
▲ 0.50% · 4.625%
HK$103,242
+HK$5,170/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$196,144/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$787,708 · Scale 2, in force from 26 Feb 2026)