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$46,477
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,923
−HK$1,469/mo
Today · 4.125%
HK$49,392
baseline
▲ 0.50% · 4.625%
HK$52,397
+HK$3,005/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$98,784/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$788,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,706
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,092
−HK$1,407/mo
Today · 4.125%
HK$54,499
baseline
▲ 0.50% · 4.625%
HK$57,372
+HK$2,873/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$108,998/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$788,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,773
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$57,508
−HK$1,762/mo
Today · 4.125%
HK$59,270
baseline
▲ 0.50% · 4.625%
HK$62,877
+HK$3,607/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$118,540/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$788,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,047
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$63,711
−HK$1,688/mo
Today · 4.125%
HK$65,399
baseline
▲ 0.50% · 4.625%
HK$68,846
+HK$3,447/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$130,798/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$788,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,068
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$67,092
−HK$2,057/mo
Today · 4.125%
HK$69,149
baseline
▲ 0.50% · 4.625%
HK$73,356
+HK$4,207/mo
Deposit HK$6.11M · loan HK$14.27M · min. income ≈ HK$138,298/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$788,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,388
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$74,329
−HK$1,970/mo
Today · 4.125%
HK$76,299
baseline
▲ 0.50% · 4.625%
HK$80,321
+HK$4,022/mo
Deposit HK$6.11M · loan HK$14.27M · min. income ≈ HK$152,598/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$788,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,659
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$86,262
−HK$2,644/mo
Today · 4.125%
HK$88,906
baseline
▲ 0.50% · 4.625%
HK$94,315
+HK$5,409/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$177,812/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$788,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,070
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$95,566
−HK$2,533/mo
Today · 4.125%
HK$98,099
baseline
▲ 0.50% · 4.625%
HK$103,269
+HK$5,170/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$196,198/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$788,257 · Scale 2, in force from 26 Feb 2026)