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$46,220
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$47,657
−HK$1,461/mo
Today · 4.125%
HK$49,118
baseline
▲ 0.50% · 4.625%
HK$52,107
+HK$2,989/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$98,236/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,419
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,798
−HK$1,399/mo
Today · 4.125%
HK$54,197
baseline
▲ 0.50% · 4.625%
HK$57,054
+HK$2,857/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$108,394/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,464
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$57,189
−HK$1,753/mo
Today · 4.125%
HK$58,942
baseline
▲ 0.50% · 4.625%
HK$62,528
+HK$3,586/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$117,884/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,703
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,357
−HK$1,679/mo
Today · 4.125%
HK$65,036
baseline
▲ 0.50% · 4.625%
HK$68,464
+HK$3,428/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$130,072/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,707
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$66,720
−HK$2,045/mo
Today · 4.125%
HK$68,765
baseline
▲ 0.50% · 4.625%
HK$72,949
+HK$4,184/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$137,530/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$776,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,986
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$73,917
−HK$1,959/mo
Today · 4.125%
HK$75,876
baseline
▲ 0.50% · 4.625%
HK$79,875
+HK$3,999/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$151,752/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$776,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,195
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$85,783
−HK$2,629/mo
Today · 4.125%
HK$88,412
baseline
▲ 0.50% · 4.625%
HK$93,792
+HK$5,380/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$176,824/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,554
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$95,036
−HK$2,518/mo
Today · 4.125%
HK$97,554
baseline
▲ 0.50% · 4.625%
HK$102,697
+HK$5,143/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$195,108/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,948 · Scale 2, in force from 26 Feb 2026)