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$46,228
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,666
−HK$1,461/mo
Today · 4.125%
HK$49,127
baseline
▲ 0.50% · 4.625%
HK$52,116
+HK$2,989/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$98,254/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$777,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,428
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,807
−HK$1,399/mo
Today · 4.125%
HK$54,206
baseline
▲ 0.50% · 4.625%
HK$57,064
+HK$2,858/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$108,412/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$777,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,473
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,199
−HK$1,753/mo
Today · 4.125%
HK$58,952
baseline
▲ 0.50% · 4.625%
HK$62,539
+HK$3,587/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$117,904/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$777,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,713
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,368
−HK$1,680/mo
Today · 4.125%
HK$65,048
baseline
▲ 0.50% · 4.625%
HK$68,476
+HK$3,428/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$130,096/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$777,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,719
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$66,732
−HK$2,045/mo
Today · 4.125%
HK$68,777
baseline
▲ 0.50% · 4.625%
HK$72,962
+HK$4,185/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$137,554/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$777,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,999
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$73,930
−HK$1,959/mo
Today · 4.125%
HK$75,889
baseline
▲ 0.50% · 4.625%
HK$79,889
+HK$4,000/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$151,778/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$777,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,210
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$85,798
−HK$2,630/mo
Today · 4.125%
HK$88,428
baseline
▲ 0.50% · 4.625%
HK$93,808
+HK$5,380/mo
Deposit HK$2.03M · loan HK$18.25M · min. income ≈ HK$176,856/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$777,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,570
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$95,053
−HK$2,518/mo
Today · 4.125%
HK$97,571
baseline
▲ 0.50% · 4.625%
HK$102,714
+HK$5,143/mo
Deposit HK$2.03M · loan HK$18.25M · min. income ≈ HK$195,142/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$777,300 · Scale 2, in force from 26 Feb 2026)