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$46,115
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,549
−HK$1,457/mo
Today · 4.125%
HK$49,006
baseline
▲ 0.50% · 4.625%
HK$51,988
+HK$2,982/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$98,012/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$772,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,302
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$52,678
−HK$1,396/mo
Today · 4.125%
HK$54,074
baseline
▲ 0.50% · 4.625%
HK$56,924
+HK$2,850/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$108,148/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$772,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,337
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$57,059
−HK$1,749/mo
Today · 4.125%
HK$58,808
baseline
▲ 0.50% · 4.625%
HK$62,386
+HK$3,578/mo
Deposit HK$8.09M · loan HK$12.13M · min. income ≈ HK$117,616/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$772,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,562
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,213
−HK$1,675/mo
Today · 4.125%
HK$64,888
baseline
▲ 0.50% · 4.625%
HK$68,309
+HK$3,421/mo
Deposit HK$8.09M · loan HK$12.13M · min. income ≈ HK$129,776/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$772,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,560
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$66,569
−HK$2,040/mo
Today · 4.125%
HK$68,609
baseline
▲ 0.50% · 4.625%
HK$72,784
+HK$4,175/mo
Deposit HK$6.07M · loan HK$14.16M · min. income ≈ HK$137,218/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$772,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,823
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$73,749
−HK$1,954/mo
Today · 4.125%
HK$75,703
baseline
▲ 0.50% · 4.625%
HK$79,693
+HK$3,990/mo
Deposit HK$6.07M · loan HK$14.16M · min. income ≈ HK$151,406/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$772,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,006
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$85,588
−HK$2,623/mo
Today · 4.125%
HK$88,211
baseline
▲ 0.50% · 4.625%
HK$93,579
+HK$5,368/mo
Deposit HK$2.02M · loan HK$18.20M · min. income ≈ HK$176,422/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$772,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,344
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$94,820
−HK$2,513/mo
Today · 4.125%
HK$97,333
baseline
▲ 0.50% · 4.625%
HK$102,463
+HK$5,130/mo
Deposit HK$2.02M · loan HK$18.20M · min. income ≈ HK$194,666/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$772,340 · Scale 2, in force from 26 Feb 2026)