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$46,232
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,670
−HK$1,462/mo
Today · 4.125%
HK$49,132
baseline
▲ 0.50% · 4.625%
HK$52,121
+HK$2,989/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$98,264/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$777,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,433
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,812
−HK$1,400/mo
Today · 4.125%
HK$54,212
baseline
▲ 0.50% · 4.625%
HK$57,069
+HK$2,857/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$108,424/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$777,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,479
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,205
−HK$1,753/mo
Today · 4.125%
HK$58,958
baseline
▲ 0.50% · 4.625%
HK$62,545
+HK$3,587/mo
Deposit HK$8.11M · loan HK$12.17M · min. income ≈ HK$117,916/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$777,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,720
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$63,375
−HK$1,679/mo
Today · 4.125%
HK$65,054
baseline
▲ 0.50% · 4.625%
HK$68,483
+HK$3,429/mo
Deposit HK$8.11M · loan HK$12.17M · min. income ≈ HK$130,108/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$777,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,725
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$66,739
−HK$2,045/mo
Today · 4.125%
HK$68,784
baseline
▲ 0.50% · 4.625%
HK$72,970
+HK$4,186/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$137,568/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$777,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,006
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$73,937
−HK$1,960/mo
Today · 4.125%
HK$75,897
baseline
▲ 0.50% · 4.625%
HK$79,897
+HK$4,000/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$151,794/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$777,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,218
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$85,807
−HK$2,630/mo
Today · 4.125%
HK$88,437
baseline
▲ 0.50% · 4.625%
HK$93,818
+HK$5,381/mo
Deposit HK$2.03M · loan HK$18.25M · min. income ≈ HK$176,874/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$777,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,579
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$95,062
−HK$2,519/mo
Today · 4.125%
HK$97,581
baseline
▲ 0.50% · 4.625%
HK$102,725
+HK$5,144/mo
Deposit HK$2.03M · loan HK$18.25M · min. income ≈ HK$195,162/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$777,507 · Scale 2, in force from 26 Feb 2026)