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$46,462
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,907
−HK$1,468/mo
Today · 4.125%
HK$49,375
baseline
▲ 0.50% · 4.625%
HK$52,380
+HK$3,005/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$98,750/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$787,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,688
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,074
−HK$1,407/mo
Today · 4.125%
HK$54,481
baseline
▲ 0.50% · 4.625%
HK$57,353
+HK$2,872/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$108,962/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$787,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,754
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,488
−HK$1,762/mo
Today · 4.125%
HK$59,250
baseline
▲ 0.50% · 4.625%
HK$62,856
+HK$3,606/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$118,500/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$787,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,026
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,689
−HK$1,688/mo
Today · 4.125%
HK$65,377
baseline
▲ 0.50% · 4.625%
HK$68,823
+HK$3,446/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$130,754/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$787,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,046
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,070
−HK$2,055/mo
Today · 4.125%
HK$69,125
baseline
▲ 0.50% · 4.625%
HK$73,332
+HK$4,207/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$138,250/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$787,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,364
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$74,304
−HK$1,969/mo
Today · 4.125%
HK$76,273
baseline
▲ 0.50% · 4.625%
HK$80,294
+HK$4,021/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$152,546/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$787,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,631
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$86,233
−HK$2,643/mo
Today · 4.125%
HK$88,876
baseline
▲ 0.50% · 4.625%
HK$94,283
+HK$5,407/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$177,752/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$787,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,039
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$95,534
−HK$2,531/mo
Today · 4.125%
HK$98,065
baseline
▲ 0.50% · 4.625%
HK$103,235
+HK$5,170/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$196,130/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$787,567 · Scale 2, in force from 26 Feb 2026)