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$46,470
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$47,916
−HK$1,468/mo
Today · 4.125%
HK$49,384
baseline
▲ 0.50% · 4.625%
HK$52,389
+HK$3,005/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$98,768/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$787,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,698
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,084
−HK$1,407/mo
Today · 4.125%
HK$54,491
baseline
▲ 0.50% · 4.625%
HK$57,363
+HK$2,872/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$108,982/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$787,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,764
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$57,499
−HK$1,762/mo
Today · 4.125%
HK$59,261
baseline
▲ 0.50% · 4.625%
HK$62,867
+HK$3,606/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$118,522/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$787,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,037
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$63,701
−HK$1,688/mo
Today · 4.125%
HK$65,389
baseline
▲ 0.50% · 4.625%
HK$68,836
+HK$3,447/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$130,778/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$787,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,058
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$67,082
−HK$2,056/mo
Today · 4.125%
HK$69,138
baseline
▲ 0.50% · 4.625%
HK$73,345
+HK$4,207/mo
Deposit HK$6.11M · loan HK$14.27M · min. income ≈ HK$138,276/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$787,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,377
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,318
−HK$1,969/mo
Today · 4.125%
HK$76,287
baseline
▲ 0.50% · 4.625%
HK$80,308
+HK$4,021/mo
Deposit HK$6.11M · loan HK$14.27M · min. income ≈ HK$152,574/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$787,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,646
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$86,248
−HK$2,644/mo
Today · 4.125%
HK$88,892
baseline
▲ 0.50% · 4.625%
HK$94,301
+HK$5,409/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$177,784/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$787,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,056
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$95,552
−HK$2,531/mo
Today · 4.125%
HK$98,083
baseline
▲ 0.50% · 4.625%
HK$103,254
+HK$5,171/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$196,166/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$787,941 · Scale 2, in force from 26 Feb 2026)