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$46,235
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,673
−HK$1,461/mo
Today · 4.125%
HK$49,134
baseline
▲ 0.50% · 4.625%
HK$52,124
+HK$2,990/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$777,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,436
−HK$2,778/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$777,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,482
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,207
−HK$1,754/mo
Today · 4.125%
HK$58,961
baseline
▲ 0.50% · 4.625%
HK$62,548
+HK$3,587/mo
Deposit HK$8.11M · loan HK$12.17M · min. income ≈ HK$117,922/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$777,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,723
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$63,378
−HK$1,679/mo
Today · 4.125%
HK$65,057
baseline
▲ 0.50% · 4.625%
HK$68,487
+HK$3,430/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$777,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,729
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$66,742
−HK$2,046/mo
Today · 4.125%
HK$68,788
baseline
▲ 0.50% · 4.625%
HK$72,973
+HK$4,185/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$137,576/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$777,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,010
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$73,941
−HK$1,959/mo
Today · 4.125%
HK$75,900
baseline
▲ 0.50% · 4.625%
HK$79,901
+HK$4,001/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$777,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,222
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$85,811
−HK$2,630/mo
Today · 4.125%
HK$88,441
baseline
▲ 0.50% · 4.625%
HK$93,823
+HK$5,382/mo
Deposit HK$2.03M · loan HK$18.25M · min. income ≈ HK$176,882/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$777,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,584
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$95,067
−HK$2,519/mo
Today · 4.125%
HK$97,586
baseline
▲ 0.50% · 4.625%
HK$102,730
+HK$5,144/mo
Deposit HK$2.03M · loan HK$18.25M · min. income ≈ HK$195,172/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$777,608 · Scale 2, in force from 26 Feb 2026)