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$46,425
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$47,869
−HK$1,467/mo
Today · 4.125%
HK$49,336
baseline
▲ 0.50% · 4.625%
HK$52,338
+HK$3,002/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$98,672/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$785,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,647
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,032
−HK$1,406/mo
Today · 4.125%
HK$54,438
baseline
▲ 0.50% · 4.625%
HK$57,307
+HK$2,869/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$108,876/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$785,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,710
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$57,443
−HK$1,760/mo
Today · 4.125%
HK$59,203
baseline
▲ 0.50% · 4.625%
HK$62,806
+HK$3,603/mo
Deposit HK$8.14M · loan HK$12.22M · min. income ≈ HK$118,406/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$785,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,977
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,639
−HK$1,686/mo
Today · 4.125%
HK$65,325
baseline
▲ 0.50% · 4.625%
HK$68,768
+HK$3,443/mo
Deposit HK$8.14M · loan HK$12.22M · min. income ≈ HK$130,650/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$785,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,995
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$67,017
−HK$2,054/mo
Today · 4.125%
HK$69,071
baseline
▲ 0.50% · 4.625%
HK$73,273
+HK$4,202/mo
Deposit HK$6.11M · loan HK$14.25M · min. income ≈ HK$138,142/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$785,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,306
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$74,245
−HK$1,968/mo
Today · 4.125%
HK$76,213
baseline
▲ 0.50% · 4.625%
HK$80,230
+HK$4,017/mo
Deposit HK$6.11M · loan HK$14.25M · min. income ≈ HK$152,426/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$785,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,565
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$86,164
−HK$2,641/mo
Today · 4.125%
HK$88,805
baseline
▲ 0.50% · 4.625%
HK$94,209
+HK$5,404/mo
Deposit HK$2.04M · loan HK$18.32M · min. income ≈ HK$177,610/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$785,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,965
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$95,458
−HK$2,530/mo
Today · 4.125%
HK$97,988
baseline
▲ 0.50% · 4.625%
HK$103,153
+HK$5,165/mo
Deposit HK$2.04M · loan HK$18.32M · min. income ≈ HK$195,976/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$785,950 · Scale 2, in force from 26 Feb 2026)