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$46,202
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$47,639
−HK$1,460/mo
Today · 4.125%
HK$49,099
baseline
▲ 0.50% · 4.625%
HK$52,086
+HK$2,987/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$98,198/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,399
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$52,777
−HK$1,399/mo
Today · 4.125%
HK$54,176
baseline
▲ 0.50% · 4.625%
HK$57,032
+HK$2,856/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$108,352/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,442
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,167
−HK$1,752/mo
Today · 4.125%
HK$58,919
baseline
▲ 0.50% · 4.625%
HK$62,504
+HK$3,585/mo
Deposit HK$8.10M · loan HK$12.16M · min. income ≈ HK$117,838/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,679
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,333
−HK$1,678/mo
Today · 4.125%
HK$65,011
baseline
▲ 0.50% · 4.625%
HK$68,438
+HK$3,427/mo
Deposit HK$8.10M · loan HK$12.16M · min. income ≈ HK$130,022/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,682
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$66,694
−HK$2,045/mo
Today · 4.125%
HK$68,739
baseline
▲ 0.50% · 4.625%
HK$72,921
+HK$4,182/mo
Deposit HK$6.08M · loan HK$14.18M · min. income ≈ HK$137,478/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$776,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,958
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$73,888
−HK$1,958/mo
Today · 4.125%
HK$75,846
baseline
▲ 0.50% · 4.625%
HK$79,844
+HK$3,998/mo
Deposit HK$6.08M · loan HK$14.18M · min. income ≈ HK$151,692/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$776,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,163
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$85,750
−HK$2,628/mo
Today · 4.125%
HK$88,378
baseline
▲ 0.50% · 4.625%
HK$93,756
+HK$5,378/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$176,756/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,518
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$94,999
−HK$2,518/mo
Today · 4.125%
HK$97,517
baseline
▲ 0.50% · 4.625%
HK$102,657
+HK$5,140/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$195,034/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,162 · Scale 2, in force from 26 Feb 2026)