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$46,245
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,683
−HK$1,462/mo
Today · 4.125%
HK$49,145
baseline
▲ 0.50% · 4.625%
HK$52,135
+HK$2,990/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$98,290/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$778,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,447
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,826
−HK$1,400/mo
Today · 4.125%
HK$54,226
baseline
▲ 0.50% · 4.625%
HK$57,084
+HK$2,858/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$108,452/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$778,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,494
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,220
−HK$1,753/mo
Today · 4.125%
HK$58,973
baseline
▲ 0.50% · 4.625%
HK$62,562
+HK$3,589/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$778,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,736
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,392
−HK$1,679/mo
Today · 4.125%
HK$65,071
baseline
▲ 0.50% · 4.625%
HK$68,501
+HK$3,430/mo
Deposit HK$8.11M · loan HK$12.17M · min. income ≈ HK$130,142/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$778,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,742
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$66,756
−HK$2,046/mo
Today · 4.125%
HK$68,802
baseline
▲ 0.50% · 4.625%
HK$72,989
+HK$4,187/mo
Deposit HK$6.08M · loan HK$14.20M · min. income ≈ HK$137,604/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$778,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,025
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$73,957
−HK$1,960/mo
Today · 4.125%
HK$75,917
baseline
▲ 0.50% · 4.625%
HK$79,918
+HK$4,001/mo
Deposit HK$6.08M · loan HK$14.20M · min. income ≈ HK$151,834/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$778,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,240
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$85,830
−HK$2,630/mo
Today · 4.125%
HK$88,460
baseline
▲ 0.50% · 4.625%
HK$93,843
+HK$5,383/mo
Deposit HK$2.03M · loan HK$18.25M · min. income ≈ HK$176,920/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$778,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,604
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$95,088
−HK$2,519/mo
Today · 4.125%
HK$97,607
baseline
▲ 0.50% · 4.625%
HK$102,752
+HK$5,145/mo
Deposit HK$2.03M · loan HK$18.25M · min. income ≈ HK$195,214/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$778,044 · Scale 2, in force from 26 Feb 2026)