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$46,452
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,897
−HK$1,468/mo
Today · 4.125%
HK$49,365
baseline
▲ 0.50% · 4.625%
HK$52,369
+HK$3,004/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$98,730/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$787,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,677
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$53,063
−HK$1,406/mo
Today · 4.125%
HK$54,469
baseline
▲ 0.50% · 4.625%
HK$57,341
+HK$2,872/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$108,938/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$787,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,742
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,476
−HK$1,762/mo
Today · 4.125%
HK$59,238
baseline
▲ 0.50% · 4.625%
HK$62,842
+HK$3,604/mo
Deposit HK$8.15M · loan HK$12.22M · min. income ≈ HK$118,476/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$787,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,013
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$63,676
−HK$1,687/mo
Today · 4.125%
HK$65,363
baseline
▲ 0.50% · 4.625%
HK$68,809
+HK$3,446/mo
Deposit HK$8.15M · loan HK$12.22M · min. income ≈ HK$130,726/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$787,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,033
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$67,056
−HK$2,055/mo
Today · 4.125%
HK$69,111
baseline
▲ 0.50% · 4.625%
HK$73,316
+HK$4,205/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$138,222/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$787,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,348
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$74,289
−HK$1,968/mo
Today · 4.125%
HK$76,257
baseline
▲ 0.50% · 4.625%
HK$80,277
+HK$4,020/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$152,514/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$787,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,614
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$86,215
−HK$2,642/mo
Today · 4.125%
HK$88,857
baseline
▲ 0.50% · 4.625%
HK$94,264
+HK$5,407/mo
Deposit HK$2.04M · loan HK$18.33M · min. income ≈ HK$177,714/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$787,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,019
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$95,514
−HK$2,531/mo
Today · 4.125%
HK$98,045
baseline
▲ 0.50% · 4.625%
HK$103,213
+HK$5,168/mo
Deposit HK$2.04M · loan HK$18.33M · min. income ≈ HK$196,090/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$787,142 · Scale 2, in force from 26 Feb 2026)