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$46,406
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,849
−HK$1,467/mo
Today · 4.125%
HK$49,316
baseline
▲ 0.50% · 4.625%
HK$52,317
+HK$3,001/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$98,632/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$785,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,626
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$53,011
−HK$1,404/mo
Today · 4.125%
HK$54,415
baseline
▲ 0.50% · 4.625%
HK$57,284
+HK$2,869/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$108,830/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$785,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,687
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$57,419
−HK$1,760/mo
Today · 4.125%
HK$59,179
baseline
▲ 0.50% · 4.625%
HK$62,780
+HK$3,601/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$118,358/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$785,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,951
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$63,613
−HK$1,685/mo
Today · 4.125%
HK$65,298
baseline
▲ 0.50% · 4.625%
HK$68,740
+HK$3,442/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$130,596/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$785,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,968
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$66,989
−HK$2,053/mo
Today · 4.125%
HK$69,042
baseline
▲ 0.50% · 4.625%
HK$73,244
+HK$4,202/mo
Deposit HK$6.11M · loan HK$14.25M · min. income ≈ HK$138,084/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$785,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,277
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$74,215
−HK$1,967/mo
Today · 4.125%
HK$76,182
baseline
▲ 0.50% · 4.625%
HK$80,197
+HK$4,015/mo
Deposit HK$6.11M · loan HK$14.25M · min. income ≈ HK$152,364/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$785,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,531
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$86,129
−HK$2,640/mo
Today · 4.125%
HK$88,769
baseline
▲ 0.50% · 4.625%
HK$94,170
+HK$5,401/mo
Deposit HK$2.04M · loan HK$18.32M · min. income ≈ HK$177,538/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$785,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,927
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$95,419
−HK$2,529/mo
Today · 4.125%
HK$97,948
baseline
▲ 0.50% · 4.625%
HK$103,111
+HK$5,163/mo
Deposit HK$2.04M · loan HK$18.32M · min. income ≈ HK$195,896/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$785,121 · Scale 2, in force from 26 Feb 2026)