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$46,410
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,853
−HK$1,467/mo
Today · 4.125%
HK$49,320
baseline
▲ 0.50% · 4.625%
HK$52,321
+HK$3,001/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$98,640/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$785,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,630
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,015
−HK$1,405/mo
Today · 4.125%
HK$54,420
baseline
▲ 0.50% · 4.625%
HK$57,288
+HK$2,868/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$108,840/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$785,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,692
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$57,424
−HK$1,760/mo
Today · 4.125%
HK$59,184
baseline
▲ 0.50% · 4.625%
HK$62,785
+HK$3,601/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$118,368/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$785,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,956
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,618
−HK$1,686/mo
Today · 4.125%
HK$65,304
baseline
▲ 0.50% · 4.625%
HK$68,746
+HK$3,442/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$130,608/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$785,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,974
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$66,995
−HK$2,053/mo
Today · 4.125%
HK$69,048
baseline
▲ 0.50% · 4.625%
HK$73,250
+HK$4,202/mo
Deposit HK$6.11M · loan HK$14.25M · min. income ≈ HK$138,096/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$785,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,283
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$74,221
−HK$1,967/mo
Today · 4.125%
HK$76,188
baseline
▲ 0.50% · 4.625%
HK$80,204
+HK$4,016/mo
Deposit HK$6.11M · loan HK$14.25M · min. income ≈ HK$152,376/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$785,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,538
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$86,136
−HK$2,640/mo
Today · 4.125%
HK$88,776
baseline
▲ 0.50% · 4.625%
HK$94,178
+HK$5,402/mo
Deposit HK$2.04M · loan HK$18.32M · min. income ≈ HK$177,552/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$785,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,935
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$95,427
−HK$2,529/mo
Today · 4.125%
HK$97,956
baseline
▲ 0.50% · 4.625%
HK$103,119
+HK$5,163/mo
Deposit HK$2.04M · loan HK$18.32M · min. income ≈ HK$195,912/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$785,288 · Scale 2, in force from 26 Feb 2026)