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$46,469
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$47,914
−HK$1,469/mo
Today · 4.125%
HK$49,383
baseline
▲ 0.50% · 4.625%
HK$52,388
+HK$3,005/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$98,766/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$787,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,696
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,082
−HK$1,407/mo
Today · 4.125%
HK$54,489
baseline
▲ 0.50% · 4.625%
HK$57,361
+HK$2,872/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$108,978/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$787,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,762
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$57,497
−HK$1,762/mo
Today · 4.125%
HK$59,259
baseline
▲ 0.50% · 4.625%
HK$62,865
+HK$3,606/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$118,518/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$787,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,035
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$63,699
−HK$1,688/mo
Today · 4.125%
HK$65,387
baseline
▲ 0.50% · 4.625%
HK$68,833
+HK$3,446/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$130,774/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$787,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,056
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$67,080
−HK$2,056/mo
Today · 4.125%
HK$69,136
baseline
▲ 0.50% · 4.625%
HK$73,343
+HK$4,207/mo
Deposit HK$6.11M · loan HK$14.27M · min. income ≈ HK$138,272/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$787,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,374
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$74,315
−HK$1,970/mo
Today · 4.125%
HK$76,285
baseline
▲ 0.50% · 4.625%
HK$80,306
+HK$4,021/mo
Deposit HK$6.11M · loan HK$14.27M · min. income ≈ HK$152,570/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$787,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,644
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$86,246
−HK$2,643/mo
Today · 4.125%
HK$88,889
baseline
▲ 0.50% · 4.625%
HK$94,298
+HK$5,409/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$177,778/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$787,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,053
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$95,548
−HK$2,532/mo
Today · 4.125%
HK$98,080
baseline
▲ 0.50% · 4.625%
HK$103,250
+HK$5,170/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$196,160/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$787,874 · Scale 2, in force from 26 Feb 2026)