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$46,458
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,903
−HK$1,468/mo
Today · 4.125%
HK$49,371
baseline
▲ 0.50% · 4.625%
HK$52,375
+HK$3,004/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$98,742/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$787,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,684
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$53,070
−HK$1,406/mo
Today · 4.125%
HK$54,476
baseline
▲ 0.50% · 4.625%
HK$57,347
+HK$2,871/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$108,952/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$787,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,749
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,483
−HK$1,762/mo
Today · 4.125%
HK$59,245
baseline
▲ 0.50% · 4.625%
HK$62,850
+HK$3,605/mo
Deposit HK$8.15M · loan HK$12.22M · min. income ≈ HK$118,490/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$787,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,020
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,684
−HK$1,687/mo
Today · 4.125%
HK$65,371
baseline
▲ 0.50% · 4.625%
HK$68,817
+HK$3,446/mo
Deposit HK$8.15M · loan HK$12.22M · min. income ≈ HK$130,742/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$787,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,041
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$67,064
−HK$2,055/mo
Today · 4.125%
HK$69,119
baseline
▲ 0.50% · 4.625%
HK$73,325
+HK$4,206/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$138,238/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$787,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,357
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$74,298
−HK$1,968/mo
Today · 4.125%
HK$76,266
baseline
▲ 0.50% · 4.625%
HK$80,286
+HK$4,020/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$152,532/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$787,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,624
−HK$5,244/mo
▼ 0.25% · 3.875%
HK$86,225
−HK$2,643/mo
Today · 4.125%
HK$88,868
baseline
▲ 0.50% · 4.625%
HK$94,275
+HK$5,407/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$177,736/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$787,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,030
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$95,526
−HK$2,531/mo
Today · 4.125%
HK$98,057
baseline
▲ 0.50% · 4.625%
HK$103,225
+HK$5,168/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$196,114/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$787,385 · Scale 2, in force from 26 Feb 2026)