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$46,205
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$47,642
−HK$1,460/mo
Today · 4.125%
HK$49,102
baseline
▲ 0.50% · 4.625%
HK$52,090
+HK$2,988/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$98,204/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,402
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$52,781
−HK$1,398/mo
Today · 4.125%
HK$54,179
baseline
▲ 0.50% · 4.625%
HK$57,035
+HK$2,856/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$108,358/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,446
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$57,170
−HK$1,752/mo
Today · 4.125%
HK$58,922
baseline
▲ 0.50% · 4.625%
HK$62,508
+HK$3,586/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$117,844/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,683
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,337
−HK$1,678/mo
Today · 4.125%
HK$65,015
baseline
▲ 0.50% · 4.625%
HK$68,442
+HK$3,427/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$130,030/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,686
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$66,699
−HK$2,044/mo
Today · 4.125%
HK$68,743
baseline
▲ 0.50% · 4.625%
HK$72,926
+HK$4,183/mo
Deposit HK$6.08M · loan HK$14.18M · min. income ≈ HK$137,486/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$776,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,963
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$73,893
−HK$1,958/mo
Today · 4.125%
HK$75,851
baseline
▲ 0.50% · 4.625%
HK$79,849
+HK$3,998/mo
Deposit HK$6.08M · loan HK$14.18M · min. income ≈ HK$151,702/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$776,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,168
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$85,755
−HK$2,629/mo
Today · 4.125%
HK$88,384
baseline
▲ 0.50% · 4.625%
HK$93,762
+HK$5,378/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$176,768/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,524
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$95,005
−HK$2,518/mo
Today · 4.125%
HK$97,523
baseline
▲ 0.50% · 4.625%
HK$102,663
+HK$5,140/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$195,046/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,291 · Scale 2, in force from 26 Feb 2026)