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$46,478
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,924
−HK$1,469/mo
Today · 4.125%
HK$49,393
baseline
▲ 0.50% · 4.625%
HK$52,398
+HK$3,005/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$98,786/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$788,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,707
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,093
−HK$1,407/mo
Today · 4.125%
HK$54,500
baseline
▲ 0.50% · 4.625%
HK$57,373
+HK$2,873/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$109,000/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$788,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,774
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$57,509
−HK$1,762/mo
Today · 4.125%
HK$59,271
baseline
▲ 0.50% · 4.625%
HK$62,878
+HK$3,607/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$118,542/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$788,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,048
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$63,712
−HK$1,688/mo
Today · 4.125%
HK$65,400
baseline
▲ 0.50% · 4.625%
HK$68,847
+HK$3,447/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$130,800/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$788,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,069
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$67,093
−HK$2,057/mo
Today · 4.125%
HK$69,150
baseline
▲ 0.50% · 4.625%
HK$73,357
+HK$4,207/mo
Deposit HK$6.11M · loan HK$14.27M · min. income ≈ HK$138,300/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$788,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,389
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$74,331
−HK$1,969/mo
Today · 4.125%
HK$76,300
baseline
▲ 0.50% · 4.625%
HK$80,322
+HK$4,022/mo
Deposit HK$6.11M · loan HK$14.27M · min. income ≈ HK$152,600/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$788,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,661
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$86,263
−HK$2,644/mo
Today · 4.125%
HK$88,907
baseline
▲ 0.50% · 4.625%
HK$94,317
+HK$5,410/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$177,814/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$788,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,072
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$95,568
−HK$2,532/mo
Today · 4.125%
HK$98,100
baseline
▲ 0.50% · 4.625%
HK$103,271
+HK$5,171/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$196,200/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$788,288 · Scale 2, in force from 26 Feb 2026)