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$46,426
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$47,870
−HK$1,467/mo
Today · 4.125%
HK$49,337
baseline
▲ 0.50% · 4.625%
HK$52,339
+HK$3,002/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$98,674/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$785,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,648
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,034
−HK$1,405/mo
Today · 4.125%
HK$54,439
baseline
▲ 0.50% · 4.625%
HK$57,308
+HK$2,869/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$108,878/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$785,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,711
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$57,444
−HK$1,761/mo
Today · 4.125%
HK$59,205
baseline
▲ 0.50% · 4.625%
HK$62,807
+HK$3,602/mo
Deposit HK$8.14M · loan HK$12.22M · min. income ≈ HK$118,410/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$785,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,978
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$63,640
−HK$1,687/mo
Today · 4.125%
HK$65,327
baseline
▲ 0.50% · 4.625%
HK$68,770
+HK$3,443/mo
Deposit HK$8.14M · loan HK$12.22M · min. income ≈ HK$130,654/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$785,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,996
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$67,018
−HK$2,054/mo
Today · 4.125%
HK$69,072
baseline
▲ 0.50% · 4.625%
HK$73,275
+HK$4,203/mo
Deposit HK$6.11M · loan HK$14.25M · min. income ≈ HK$138,144/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$785,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,308
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$74,247
−HK$1,967/mo
Today · 4.125%
HK$76,214
baseline
▲ 0.50% · 4.625%
HK$80,232
+HK$4,018/mo
Deposit HK$6.11M · loan HK$14.25M · min. income ≈ HK$152,428/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$785,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,567
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$86,166
−HK$2,641/mo
Today · 4.125%
HK$88,807
baseline
▲ 0.50% · 4.625%
HK$94,211
+HK$5,404/mo
Deposit HK$2.04M · loan HK$18.32M · min. income ≈ HK$177,614/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$785,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,967
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$95,460
−HK$2,530/mo
Today · 4.125%
HK$97,990
baseline
▲ 0.50% · 4.625%
HK$103,155
+HK$5,165/mo
Deposit HK$2.04M · loan HK$18.32M · min. income ≈ HK$195,980/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$785,996 · Scale 2, in force from 26 Feb 2026)