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$46,435
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$47,880
−HK$1,467/mo
Today · 4.125%
HK$49,347
baseline
▲ 0.50% · 4.625%
HK$52,350
+HK$3,003/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$98,694/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$786,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,659
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,044
−HK$1,406/mo
Today · 4.125%
HK$54,450
baseline
▲ 0.50% · 4.625%
HK$57,320
+HK$2,870/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$108,900/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$786,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,722
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$57,455
−HK$1,761/mo
Today · 4.125%
HK$59,216
baseline
▲ 0.50% · 4.625%
HK$62,820
+HK$3,604/mo
Deposit HK$8.15M · loan HK$12.22M · min. income ≈ HK$118,432/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$786,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,990
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$63,653
−HK$1,687/mo
Today · 4.125%
HK$65,340
baseline
▲ 0.50% · 4.625%
HK$68,784
+HK$3,444/mo
Deposit HK$8.15M · loan HK$12.22M · min. income ≈ HK$130,680/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$786,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,009
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$67,031
−HK$2,055/mo
Today · 4.125%
HK$69,086
baseline
▲ 0.50% · 4.625%
HK$73,290
+HK$4,204/mo
Deposit HK$6.11M · loan HK$14.25M · min. income ≈ HK$138,172/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$786,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,322
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$74,262
−HK$1,967/mo
Today · 4.125%
HK$76,229
baseline
▲ 0.50% · 4.625%
HK$80,248
+HK$4,019/mo
Deposit HK$6.11M · loan HK$14.25M · min. income ≈ HK$152,458/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$786,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,583
−HK$5,242/mo
▼ 0.25% · 3.875%
HK$86,183
−HK$2,642/mo
Today · 4.125%
HK$88,825
baseline
▲ 0.50% · 4.625%
HK$94,229
+HK$5,404/mo
Deposit HK$2.04M · loan HK$18.33M · min. income ≈ HK$177,650/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$786,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,986
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$95,479
−HK$2,530/mo
Today · 4.125%
HK$98,009
baseline
▲ 0.50% · 4.625%
HK$103,176
+HK$5,167/mo
Deposit HK$2.04M · loan HK$18.33M · min. income ≈ HK$196,018/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$786,402 · Scale 2, in force from 26 Feb 2026)