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$46,461
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,906
−HK$1,468/mo
Today · 4.125%
HK$49,374
baseline
▲ 0.50% · 4.625%
HK$52,379
+HK$3,005/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$98,748/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$787,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,687
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,073
−HK$1,407/mo
Today · 4.125%
HK$54,480
baseline
▲ 0.50% · 4.625%
HK$57,351
+HK$2,871/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$108,960/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$787,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,753
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,487
−HK$1,762/mo
Today · 4.125%
HK$59,249
baseline
▲ 0.50% · 4.625%
HK$62,854
+HK$3,605/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$118,498/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$787,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,025
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,688
−HK$1,688/mo
Today · 4.125%
HK$65,376
baseline
▲ 0.50% · 4.625%
HK$68,822
+HK$3,446/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$130,752/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$787,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,045
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,068
−HK$2,056/mo
Today · 4.125%
HK$69,124
baseline
▲ 0.50% · 4.625%
HK$73,330
+HK$4,206/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$138,248/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$787,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,362
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,303
−HK$1,969/mo
Today · 4.125%
HK$76,272
baseline
▲ 0.50% · 4.625%
HK$80,292
+HK$4,020/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$152,544/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$787,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,629
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$86,231
−HK$2,643/mo
Today · 4.125%
HK$88,874
baseline
▲ 0.50% · 4.625%
HK$94,281
+HK$5,407/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$177,748/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$787,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,037
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$95,532
−HK$2,531/mo
Today · 4.125%
HK$98,063
baseline
▲ 0.50% · 4.625%
HK$103,232
+HK$5,169/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$196,126/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$787,526 · Scale 2, in force from 26 Feb 2026)