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$46,255
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,693
−HK$1,462/mo
Today · 4.125%
HK$49,155
baseline
▲ 0.50% · 4.625%
HK$52,146
+HK$2,991/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$98,310/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$778,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,458
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$52,838
−HK$1,400/mo
Today · 4.125%
HK$54,238
baseline
▲ 0.50% · 4.625%
HK$57,097
+HK$2,859/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$108,476/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$778,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,506
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$57,232
−HK$1,754/mo
Today · 4.125%
HK$58,986
baseline
▲ 0.50% · 4.625%
HK$62,575
+HK$3,589/mo
Deposit HK$8.11M · loan HK$12.17M · min. income ≈ HK$117,972/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$778,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,749
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$63,405
−HK$1,681/mo
Today · 4.125%
HK$65,086
baseline
▲ 0.50% · 4.625%
HK$68,516
+HK$3,430/mo
Deposit HK$8.11M · loan HK$12.17M · min. income ≈ HK$130,172/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$778,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,756
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$66,771
−HK$2,046/mo
Today · 4.125%
HK$68,817
baseline
▲ 0.50% · 4.625%
HK$73,005
+HK$4,188/mo
Deposit HK$6.09M · loan HK$14.20M · min. income ≈ HK$137,634/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$778,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,041
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$73,973
−HK$1,960/mo
Today · 4.125%
HK$75,933
baseline
▲ 0.50% · 4.625%
HK$79,936
+HK$4,003/mo
Deposit HK$6.09M · loan HK$14.20M · min. income ≈ HK$151,866/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$778,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,258
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$85,848
−HK$2,631/mo
Today · 4.125%
HK$88,479
baseline
▲ 0.50% · 4.625%
HK$93,863
+HK$5,384/mo
Deposit HK$2.03M · loan HK$18.26M · min. income ≈ HK$176,958/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$778,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,624
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$95,108
−HK$2,520/mo
Today · 4.125%
HK$97,628
baseline
▲ 0.50% · 4.625%
HK$102,774
+HK$5,146/mo
Deposit HK$2.03M · loan HK$18.26M · min. income ≈ HK$195,256/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$778,484 · Scale 2, in force from 26 Feb 2026)