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$46,244
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,682
−HK$1,462/mo
Today · 4.125%
HK$49,144
baseline
▲ 0.50% · 4.625%
HK$52,134
+HK$2,990/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$98,288/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$778,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,446
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,826
−HK$1,399/mo
Today · 4.125%
HK$54,225
baseline
▲ 0.50% · 4.625%
HK$57,084
+HK$2,859/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$108,450/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$778,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,493
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$57,219
−HK$1,754/mo
Today · 4.125%
HK$58,973
baseline
▲ 0.50% · 4.625%
HK$62,561
+HK$3,588/mo
Deposit HK$8.11M · loan HK$12.17M · min. income ≈ HK$117,946/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$778,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,735
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,391
−HK$1,679/mo
Today · 4.125%
HK$65,070
baseline
▲ 0.50% · 4.625%
HK$68,500
+HK$3,430/mo
Deposit HK$8.11M · loan HK$12.17M · min. income ≈ HK$130,140/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$778,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,742
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$66,755
−HK$2,046/mo
Today · 4.125%
HK$68,801
baseline
▲ 0.50% · 4.625%
HK$72,988
+HK$4,187/mo
Deposit HK$6.08M · loan HK$14.20M · min. income ≈ HK$137,602/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$778,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,024
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$73,956
−HK$1,960/mo
Today · 4.125%
HK$75,916
baseline
▲ 0.50% · 4.625%
HK$79,917
+HK$4,001/mo
Deposit HK$6.08M · loan HK$14.20M · min. income ≈ HK$151,832/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$778,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,239
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$85,828
−HK$2,631/mo
Today · 4.125%
HK$88,459
baseline
▲ 0.50% · 4.625%
HK$93,841
+HK$5,382/mo
Deposit HK$2.03M · loan HK$18.25M · min. income ≈ HK$176,918/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$778,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,603
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$95,086
−HK$2,520/mo
Today · 4.125%
HK$97,606
baseline
▲ 0.50% · 4.625%
HK$102,751
+HK$5,145/mo
Deposit HK$2.03M · loan HK$18.25M · min. income ≈ HK$195,212/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$778,016 · Scale 2, in force from 26 Feb 2026)