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$46,251
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,690
−HK$1,461/mo
Today · 4.125%
HK$49,151
baseline
▲ 0.50% · 4.625%
HK$52,142
+HK$2,991/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$98,302/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$778,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,454
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,834
−HK$1,399/mo
Today · 4.125%
HK$54,233
baseline
▲ 0.50% · 4.625%
HK$57,092
+HK$2,859/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$108,466/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$778,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,501
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$57,227
−HK$1,754/mo
Today · 4.125%
HK$58,981
baseline
▲ 0.50% · 4.625%
HK$62,570
+HK$3,589/mo
Deposit HK$8.11M · loan HK$12.17M · min. income ≈ HK$117,962/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$778,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,744
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,400
−HK$1,680/mo
Today · 4.125%
HK$65,080
baseline
▲ 0.50% · 4.625%
HK$68,511
+HK$3,431/mo
Deposit HK$8.11M · loan HK$12.17M · min. income ≈ HK$130,160/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$778,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,751
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$66,765
−HK$2,047/mo
Today · 4.125%
HK$68,812
baseline
▲ 0.50% · 4.625%
HK$72,999
+HK$4,187/mo
Deposit HK$6.08M · loan HK$14.20M · min. income ≈ HK$137,624/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$778,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,035
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$73,967
−HK$1,960/mo
Today · 4.125%
HK$75,927
baseline
▲ 0.50% · 4.625%
HK$79,929
+HK$4,002/mo
Deposit HK$6.08M · loan HK$14.20M · min. income ≈ HK$151,854/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$778,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,252
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$85,841
−HK$2,631/mo
Today · 4.125%
HK$88,472
baseline
▲ 0.50% · 4.625%
HK$93,855
+HK$5,383/mo
Deposit HK$2.03M · loan HK$18.25M · min. income ≈ HK$176,944/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$778,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,617
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$95,100
−HK$2,520/mo
Today · 4.125%
HK$97,620
baseline
▲ 0.50% · 4.625%
HK$102,766
+HK$5,146/mo
Deposit HK$2.03M · loan HK$18.25M · min. income ≈ HK$195,240/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$778,319 · Scale 2, in force from 26 Feb 2026)