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$46,217
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$47,655
−HK$1,460/mo
Today · 4.125%
HK$49,115
baseline
▲ 0.50% · 4.625%
HK$52,104
+HK$2,989/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$98,230/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,416
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,795
−HK$1,399/mo
Today · 4.125%
HK$54,194
baseline
▲ 0.50% · 4.625%
HK$57,051
+HK$2,857/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$108,388/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,461
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$57,186
−HK$1,753/mo
Today · 4.125%
HK$58,939
baseline
▲ 0.50% · 4.625%
HK$62,525
+HK$3,586/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$117,878/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,699
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$63,354
−HK$1,679/mo
Today · 4.125%
HK$65,033
baseline
▲ 0.50% · 4.625%
HK$68,461
+HK$3,428/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$130,066/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,704
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$66,717
−HK$2,045/mo
Today · 4.125%
HK$68,762
baseline
▲ 0.50% · 4.625%
HK$72,946
+HK$4,184/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$137,524/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$776,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,983
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$73,913
−HK$1,959/mo
Today · 4.125%
HK$75,872
baseline
▲ 0.50% · 4.625%
HK$79,871
+HK$3,999/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$151,744/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$776,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,191
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$85,779
−HK$2,629/mo
Today · 4.125%
HK$88,408
baseline
▲ 0.50% · 4.625%
HK$93,787
+HK$5,379/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$176,816/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,549
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$95,031
−HK$2,518/mo
Today · 4.125%
HK$97,549
baseline
▲ 0.50% · 4.625%
HK$102,691
+HK$5,142/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$195,098/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,844 · Scale 2, in force from 26 Feb 2026)