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$46,477
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,923
−HK$1,469/mo
Today · 4.125%
HK$49,392
baseline
▲ 0.50% · 4.625%
HK$52,397
+HK$3,005/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$98,784/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$788,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,705
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$53,092
−HK$1,407/mo
Today · 4.125%
HK$54,499
baseline
▲ 0.50% · 4.625%
HK$57,371
+HK$2,872/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$108,998/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$788,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,773
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$57,507
−HK$1,763/mo
Today · 4.125%
HK$59,270
baseline
▲ 0.50% · 4.625%
HK$62,876
+HK$3,606/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$118,540/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$788,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,046
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$63,710
−HK$1,689/mo
Today · 4.125%
HK$65,399
baseline
▲ 0.50% · 4.625%
HK$68,846
+HK$3,447/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$130,798/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$788,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,068
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$67,092
−HK$2,056/mo
Today · 4.125%
HK$69,148
baseline
▲ 0.50% · 4.625%
HK$73,356
+HK$4,208/mo
Deposit HK$6.11M · loan HK$14.27M · min. income ≈ HK$138,296/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$788,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,387
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$74,329
−HK$1,969/mo
Today · 4.125%
HK$76,298
baseline
▲ 0.50% · 4.625%
HK$80,320
+HK$4,022/mo
Deposit HK$6.11M · loan HK$14.27M · min. income ≈ HK$152,596/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$788,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,659
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$86,261
−HK$2,644/mo
Today · 4.125%
HK$88,905
baseline
▲ 0.50% · 4.625%
HK$94,315
+HK$5,410/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$177,810/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$788,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,070
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$95,566
−HK$2,532/mo
Today · 4.125%
HK$98,098
baseline
▲ 0.50% · 4.625%
HK$103,269
+HK$5,171/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$196,196/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$788,240 · Scale 2, in force from 26 Feb 2026)