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$46,494
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$47,941
−HK$1,469/mo
Today · 4.125%
HK$49,410
baseline
▲ 0.50% · 4.625%
HK$52,416
+HK$3,006/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$98,820/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$788,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,724
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$53,112
−HK$1,407/mo
Today · 4.125%
HK$54,519
baseline
▲ 0.50% · 4.625%
HK$57,393
+HK$2,874/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$109,038/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$788,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,793
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$57,529
−HK$1,763/mo
Today · 4.125%
HK$59,292
baseline
▲ 0.50% · 4.625%
HK$62,900
+HK$3,608/mo
Deposit HK$8.16M · loan HK$12.23M · min. income ≈ HK$118,584/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$788,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,069
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,734
−HK$1,689/mo
Today · 4.125%
HK$65,423
baseline
▲ 0.50% · 4.625%
HK$68,871
+HK$3,448/mo
Deposit HK$8.16M · loan HK$12.23M · min. income ≈ HK$130,846/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$788,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,092
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$67,117
−HK$2,057/mo
Today · 4.125%
HK$69,174
baseline
▲ 0.50% · 4.625%
HK$73,383
+HK$4,209/mo
Deposit HK$6.12M · loan HK$14.27M · min. income ≈ HK$138,348/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$788,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,414
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$74,356
−HK$1,971/mo
Today · 4.125%
HK$76,327
baseline
▲ 0.50% · 4.625%
HK$80,350
+HK$4,023/mo
Deposit HK$6.12M · loan HK$14.27M · min. income ≈ HK$152,654/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$788,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,690
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$86,293
−HK$2,645/mo
Today · 4.125%
HK$88,938
baseline
▲ 0.50% · 4.625%
HK$94,350
+HK$5,412/mo
Deposit HK$2.04M · loan HK$18.35M · min. income ≈ HK$177,876/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$788,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,104
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$95,601
−HK$2,533/mo
Today · 4.125%
HK$98,134
baseline
▲ 0.50% · 4.625%
HK$103,307
+HK$5,173/mo
Deposit HK$2.04M · loan HK$18.35M · min. income ≈ HK$196,268/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$788,997 · Scale 2, in force from 26 Feb 2026)