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$46,451
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,896
−HK$1,468/mo
Today · 4.125%
HK$49,364
baseline
▲ 0.50% · 4.625%
HK$52,368
+HK$3,004/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$98,728/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$787,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,677
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,062
−HK$1,406/mo
Today · 4.125%
HK$54,468
baseline
▲ 0.50% · 4.625%
HK$57,340
+HK$2,872/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$108,936/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$787,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,741
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,475
−HK$1,762/mo
Today · 4.125%
HK$59,237
baseline
▲ 0.50% · 4.625%
HK$62,841
+HK$3,604/mo
Deposit HK$8.15M · loan HK$12.22M · min. income ≈ HK$118,474/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$787,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,012
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$63,675
−HK$1,687/mo
Today · 4.125%
HK$65,362
baseline
▲ 0.50% · 4.625%
HK$68,807
+HK$3,445/mo
Deposit HK$8.15M · loan HK$12.22M · min. income ≈ HK$130,724/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$787,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,032
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$67,055
−HK$2,055/mo
Today · 4.125%
HK$69,110
baseline
▲ 0.50% · 4.625%
HK$73,315
+HK$4,205/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$138,220/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$787,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,347
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$74,287
−HK$1,969/mo
Today · 4.125%
HK$76,256
baseline
▲ 0.50% · 4.625%
HK$80,275
+HK$4,019/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$152,512/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$787,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,612
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$86,213
−HK$2,642/mo
Today · 4.125%
HK$88,855
baseline
▲ 0.50% · 4.625%
HK$94,262
+HK$5,407/mo
Deposit HK$2.04M · loan HK$18.33M · min. income ≈ HK$177,710/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$787,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,018
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$95,512
−HK$2,531/mo
Today · 4.125%
HK$98,043
baseline
▲ 0.50% · 4.625%
HK$103,211
+HK$5,168/mo
Deposit HK$2.04M · loan HK$18.33M · min. income ≈ HK$196,086/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$787,105 · Scale 2, in force from 26 Feb 2026)