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$46,212
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$47,650
−HK$1,460/mo
Today · 4.125%
HK$49,110
baseline
▲ 0.50% · 4.625%
HK$52,098
+HK$2,988/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$98,220/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,410
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,789
−HK$1,399/mo
Today · 4.125%
HK$54,188
baseline
▲ 0.50% · 4.625%
HK$57,044
+HK$2,856/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$108,376/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,455
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,179
−HK$1,753/mo
Today · 4.125%
HK$58,932
baseline
▲ 0.50% · 4.625%
HK$62,518
+HK$3,586/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$117,864/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,693
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,347
−HK$1,679/mo
Today · 4.125%
HK$65,026
baseline
▲ 0.50% · 4.625%
HK$68,453
+HK$3,427/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$130,052/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,697
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$66,709
−HK$2,045/mo
Today · 4.125%
HK$68,754
baseline
▲ 0.50% · 4.625%
HK$72,938
+HK$4,184/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$137,508/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$776,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,975
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$73,905
−HK$1,958/mo
Today · 4.125%
HK$75,863
baseline
▲ 0.50% · 4.625%
HK$79,862
+HK$3,999/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$151,726/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$776,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,182
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$85,769
−HK$2,629/mo
Today · 4.125%
HK$88,398
baseline
▲ 0.50% · 4.625%
HK$93,777
+HK$5,379/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$176,796/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,539
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$95,021
−HK$2,517/mo
Today · 4.125%
HK$97,538
baseline
▲ 0.50% · 4.625%
HK$102,680
+HK$5,142/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$195,076/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,618 · Scale 2, in force from 26 Feb 2026)