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$46,234
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,672
−HK$1,462/mo
Today · 4.125%
HK$49,134
baseline
▲ 0.50% · 4.625%
HK$52,123
+HK$2,989/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$98,268/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$777,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,435
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,815
−HK$1,399/mo
Today · 4.125%
HK$54,214
baseline
▲ 0.50% · 4.625%
HK$57,072
+HK$2,858/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$108,428/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$777,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,481
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,207
−HK$1,753/mo
Today · 4.125%
HK$58,960
baseline
▲ 0.50% · 4.625%
HK$62,548
+HK$3,588/mo
Deposit HK$8.11M · loan HK$12.17M · min. income ≈ HK$117,920/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$777,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,722
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,378
−HK$1,679/mo
Today · 4.125%
HK$65,057
baseline
▲ 0.50% · 4.625%
HK$68,486
+HK$3,429/mo
Deposit HK$8.11M · loan HK$12.17M · min. income ≈ HK$130,114/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$777,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,728
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$66,741
−HK$2,046/mo
Today · 4.125%
HK$68,787
baseline
▲ 0.50% · 4.625%
HK$72,973
+HK$4,186/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$137,574/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$777,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,009
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$73,940
−HK$1,960/mo
Today · 4.125%
HK$75,900
baseline
▲ 0.50% · 4.625%
HK$79,900
+HK$4,000/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$151,800/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$777,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,222
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$85,810
−HK$2,630/mo
Today · 4.125%
HK$88,440
baseline
▲ 0.50% · 4.625%
HK$93,822
+HK$5,382/mo
Deposit HK$2.03M · loan HK$18.25M · min. income ≈ HK$176,880/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$777,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,583
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$95,066
−HK$2,519/mo
Today · 4.125%
HK$97,585
baseline
▲ 0.50% · 4.625%
HK$102,729
+HK$5,144/mo
Deposit HK$2.03M · loan HK$18.25M · min. income ≈ HK$195,170/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$777,591 · Scale 2, in force from 26 Feb 2026)