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$46,126
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$47,560
−HK$1,458/mo
Today · 4.125%
HK$49,018
baseline
▲ 0.50% · 4.625%
HK$52,001
+HK$2,983/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$98,036/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$772,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,314
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$52,690
−HK$1,397/mo
Today · 4.125%
HK$54,087
baseline
▲ 0.50% · 4.625%
HK$56,938
+HK$2,851/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$108,174/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$772,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,351
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$57,072
−HK$1,750/mo
Today · 4.125%
HK$58,822
baseline
▲ 0.50% · 4.625%
HK$62,401
+HK$3,579/mo
Deposit HK$8.09M · loan HK$12.14M · min. income ≈ HK$117,644/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$772,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,577
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$63,229
−HK$1,675/mo
Today · 4.125%
HK$64,904
baseline
▲ 0.50% · 4.625%
HK$68,325
+HK$3,421/mo
Deposit HK$8.09M · loan HK$12.14M · min. income ≈ HK$129,808/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$772,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,576
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$66,584
−HK$2,041/mo
Today · 4.125%
HK$68,625
baseline
▲ 0.50% · 4.625%
HK$72,801
+HK$4,176/mo
Deposit HK$6.07M · loan HK$14.16M · min. income ≈ HK$137,250/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$772,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,840
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$73,767
−HK$1,954/mo
Today · 4.125%
HK$75,721
baseline
▲ 0.50% · 4.625%
HK$79,713
+HK$3,992/mo
Deposit HK$6.07M · loan HK$14.16M · min. income ≈ HK$151,442/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$772,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,026
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$85,609
−HK$2,623/mo
Today · 4.125%
HK$88,232
baseline
▲ 0.50% · 4.625%
HK$93,601
+HK$5,369/mo
Deposit HK$2.02M · loan HK$18.21M · min. income ≈ HK$176,464/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$772,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,366
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$94,843
−HK$2,513/mo
Today · 4.125%
HK$97,356
baseline
▲ 0.50% · 4.625%
HK$102,488
+HK$5,132/mo
Deposit HK$2.02M · loan HK$18.21M · min. income ≈ HK$194,712/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$772,823 · Scale 2, in force from 26 Feb 2026)