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$46,493
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,939
−HK$1,469/mo
Today · 4.125%
HK$49,408
baseline
▲ 0.50% · 4.625%
HK$52,415
+HK$3,007/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$98,816/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$788,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,723
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$53,110
−HK$1,407/mo
Today · 4.125%
HK$54,517
baseline
▲ 0.50% · 4.625%
HK$57,391
+HK$2,874/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$109,034/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$788,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,792
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$57,527
−HK$1,763/mo
Today · 4.125%
HK$59,290
baseline
▲ 0.50% · 4.625%
HK$62,898
+HK$3,608/mo
Deposit HK$8.16M · loan HK$12.23M · min. income ≈ HK$118,580/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$788,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,068
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$63,732
−HK$1,689/mo
Today · 4.125%
HK$65,421
baseline
▲ 0.50% · 4.625%
HK$68,869
+HK$3,448/mo
Deposit HK$8.16M · loan HK$12.23M · min. income ≈ HK$130,842/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$788,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,090
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$67,115
−HK$2,057/mo
Today · 4.125%
HK$69,172
baseline
▲ 0.50% · 4.625%
HK$73,381
+HK$4,209/mo
Deposit HK$6.12M · loan HK$14.27M · min. income ≈ HK$138,344/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$788,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,412
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$74,354
−HK$1,970/mo
Today · 4.125%
HK$76,324
baseline
▲ 0.50% · 4.625%
HK$80,347
+HK$4,023/mo
Deposit HK$6.12M · loan HK$14.27M · min. income ≈ HK$152,648/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$788,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,687
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$86,290
−HK$2,645/mo
Today · 4.125%
HK$88,935
baseline
▲ 0.50% · 4.625%
HK$94,347
+HK$5,412/mo
Deposit HK$2.04M · loan HK$18.35M · min. income ≈ HK$177,870/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$788,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,101
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$95,598
−HK$2,533/mo
Today · 4.125%
HK$98,131
baseline
▲ 0.50% · 4.625%
HK$103,304
+HK$5,173/mo
Deposit HK$2.04M · loan HK$18.35M · min. income ≈ HK$196,262/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$788,936 · Scale 2, in force from 26 Feb 2026)