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$46,210
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$47,648
−HK$1,460/mo
Today · 4.125%
HK$49,108
baseline
▲ 0.50% · 4.625%
HK$52,096
+HK$2,988/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$98,216/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,409
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$52,787
−HK$1,399/mo
Today · 4.125%
HK$54,186
baseline
▲ 0.50% · 4.625%
HK$57,042
+HK$2,856/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$108,372/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,452
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$57,177
−HK$1,753/mo
Today · 4.125%
HK$58,930
baseline
▲ 0.50% · 4.625%
HK$62,516
+HK$3,586/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$117,860/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,690
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,345
−HK$1,678/mo
Today · 4.125%
HK$65,023
baseline
▲ 0.50% · 4.625%
HK$68,451
+HK$3,428/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$130,046/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,695
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$66,707
−HK$2,044/mo
Today · 4.125%
HK$68,751
baseline
▲ 0.50% · 4.625%
HK$72,935
+HK$4,184/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$137,502/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$776,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,972
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$73,902
−HK$1,958/mo
Today · 4.125%
HK$75,860
baseline
▲ 0.50% · 4.625%
HK$79,859
+HK$3,999/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$151,720/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$776,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,179
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$85,766
−HK$2,629/mo
Today · 4.125%
HK$88,395
baseline
▲ 0.50% · 4.625%
HK$93,773
+HK$5,378/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$176,790/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,535
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$95,017
−HK$2,518/mo
Today · 4.125%
HK$97,535
baseline
▲ 0.50% · 4.625%
HK$102,676
+HK$5,141/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$195,070/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,543 · Scale 2, in force from 26 Feb 2026)