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$46,120
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$47,554
−HK$1,458/mo
Today · 4.125%
HK$49,012
baseline
▲ 0.50% · 4.625%
HK$51,994
+HK$2,982/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$98,024/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$772,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,308
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$52,684
−HK$1,396/mo
Today · 4.125%
HK$54,080
baseline
▲ 0.50% · 4.625%
HK$56,930
+HK$2,850/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$108,160/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$772,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,344
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$57,065
−HK$1,749/mo
Today · 4.125%
HK$58,814
baseline
▲ 0.50% · 4.625%
HK$62,393
+HK$3,579/mo
Deposit HK$8.09M · loan HK$12.14M · min. income ≈ HK$117,628/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$772,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,569
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$63,220
−HK$1,676/mo
Today · 4.125%
HK$64,896
baseline
▲ 0.50% · 4.625%
HK$68,316
+HK$3,420/mo
Deposit HK$8.09M · loan HK$12.14M · min. income ≈ HK$129,792/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$772,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,567
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$66,576
−HK$2,040/mo
Today · 4.125%
HK$68,616
baseline
▲ 0.50% · 4.625%
HK$72,792
+HK$4,176/mo
Deposit HK$6.07M · loan HK$14.16M · min. income ≈ HK$137,232/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$772,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,831
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$73,757
−HK$1,954/mo
Today · 4.125%
HK$75,711
baseline
▲ 0.50% · 4.625%
HK$79,702
+HK$3,991/mo
Deposit HK$6.07M · loan HK$14.16M · min. income ≈ HK$151,422/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$772,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,015
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$85,598
−HK$2,623/mo
Today · 4.125%
HK$88,221
baseline
▲ 0.50% · 4.625%
HK$93,589
+HK$5,368/mo
Deposit HK$2.02M · loan HK$18.20M · min. income ≈ HK$176,442/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$772,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,354
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$94,831
−HK$2,512/mo
Today · 4.125%
HK$97,343
baseline
▲ 0.50% · 4.625%
HK$102,474
+HK$5,131/mo
Deposit HK$2.02M · loan HK$18.20M · min. income ≈ HK$194,686/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$772,564 · Scale 2, in force from 26 Feb 2026)