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$46,113
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$47,547
−HK$1,458/mo
Today · 4.125%
HK$49,005
baseline
▲ 0.50% · 4.625%
HK$51,987
+HK$2,982/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$98,010/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$772,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,300
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$52,676
−HK$1,396/mo
Today · 4.125%
HK$54,072
baseline
▲ 0.50% · 4.625%
HK$56,922
+HK$2,850/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$108,144/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$772,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,336
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$57,057
−HK$1,749/mo
Today · 4.125%
HK$58,806
baseline
▲ 0.50% · 4.625%
HK$62,384
+HK$3,578/mo
Deposit HK$8.09M · loan HK$12.13M · min. income ≈ HK$117,612/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$772,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,560
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,211
−HK$1,675/mo
Today · 4.125%
HK$64,886
baseline
▲ 0.50% · 4.625%
HK$68,306
+HK$3,420/mo
Deposit HK$8.09M · loan HK$12.13M · min. income ≈ HK$129,772/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$772,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,558
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$66,566
−HK$2,041/mo
Today · 4.125%
HK$68,607
baseline
▲ 0.50% · 4.625%
HK$72,781
+HK$4,174/mo
Deposit HK$6.07M · loan HK$14.16M · min. income ≈ HK$137,214/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$772,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,820
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$73,747
−HK$1,954/mo
Today · 4.125%
HK$75,701
baseline
▲ 0.50% · 4.625%
HK$79,691
+HK$3,990/mo
Deposit HK$6.07M · loan HK$14.16M · min. income ≈ HK$151,402/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$772,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,003
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$85,585
−HK$2,623/mo
Today · 4.125%
HK$88,208
baseline
▲ 0.50% · 4.625%
HK$93,576
+HK$5,368/mo
Deposit HK$2.02M · loan HK$18.20M · min. income ≈ HK$176,416/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$772,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,340
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$94,817
−HK$2,512/mo
Today · 4.125%
HK$97,329
baseline
▲ 0.50% · 4.625%
HK$102,460
+HK$5,131/mo
Deposit HK$2.02M · loan HK$18.20M · min. income ≈ HK$194,658/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$772,273 · Scale 2, in force from 26 Feb 2026)