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$46,421
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$47,865
−HK$1,467/mo
Today · 4.125%
HK$49,332
baseline
▲ 0.50% · 4.625%
HK$52,334
+HK$3,002/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$98,664/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$785,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,643
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,028
−HK$1,405/mo
Today · 4.125%
HK$54,433
baseline
▲ 0.50% · 4.625%
HK$57,303
+HK$2,870/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$108,866/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$785,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,706
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$57,438
−HK$1,761/mo
Today · 4.125%
HK$59,199
baseline
▲ 0.50% · 4.625%
HK$62,801
+HK$3,602/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$118,398/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$785,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,972
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,634
−HK$1,686/mo
Today · 4.125%
HK$65,320
baseline
▲ 0.50% · 4.625%
HK$68,763
+HK$3,443/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$130,640/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$785,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,990
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$67,012
−HK$2,053/mo
Today · 4.125%
HK$69,065
baseline
▲ 0.50% · 4.625%
HK$73,268
+HK$4,203/mo
Deposit HK$6.11M · loan HK$14.25M · min. income ≈ HK$138,130/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$785,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,301
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$74,240
−HK$1,967/mo
Today · 4.125%
HK$76,207
baseline
▲ 0.50% · 4.625%
HK$80,224
+HK$4,017/mo
Deposit HK$6.11M · loan HK$14.25M · min. income ≈ HK$152,414/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$785,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,559
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$86,158
−HK$2,640/mo
Today · 4.125%
HK$88,798
baseline
▲ 0.50% · 4.625%
HK$94,202
+HK$5,404/mo
Deposit HK$2.04M · loan HK$18.32M · min. income ≈ HK$177,596/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$785,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,958
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$95,451
−HK$2,529/mo
Today · 4.125%
HK$97,980
baseline
▲ 0.50% · 4.625%
HK$103,145
+HK$5,165/mo
Deposit HK$2.04M · loan HK$18.32M · min. income ≈ HK$195,960/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$785,797 · Scale 2, in force from 26 Feb 2026)