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$46,183
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$47,619
−HK$1,460/mo
Today · 4.125%
HK$49,079
baseline
▲ 0.50% · 4.625%
HK$52,065
+HK$2,986/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$98,158/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$775,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,378
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,756
−HK$1,397/mo
Today · 4.125%
HK$54,153
baseline
▲ 0.50% · 4.625%
HK$57,008
+HK$2,855/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$108,306/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$775,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,419
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,143
−HK$1,751/mo
Today · 4.125%
HK$58,894
baseline
▲ 0.50% · 4.625%
HK$62,478
+HK$3,584/mo
Deposit HK$8.10M · loan HK$12.15M · min. income ≈ HK$117,788/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$775,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,653
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$63,307
−HK$1,677/mo
Today · 4.125%
HK$64,984
baseline
▲ 0.50% · 4.625%
HK$68,410
+HK$3,426/mo
Deposit HK$8.10M · loan HK$12.15M · min. income ≈ HK$129,968/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$775,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,656
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$66,667
−HK$2,043/mo
Today · 4.125%
HK$68,710
baseline
▲ 0.50% · 4.625%
HK$72,891
+HK$4,181/mo
Deposit HK$6.08M · loan HK$14.18M · min. income ≈ HK$137,420/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$775,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,929
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$73,858
−HK$1,957/mo
Today · 4.125%
HK$75,815
baseline
▲ 0.50% · 4.625%
HK$79,811
+HK$3,996/mo
Deposit HK$6.08M · loan HK$14.18M · min. income ≈ HK$151,630/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$775,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,129
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$85,714
−HK$2,628/mo
Today · 4.125%
HK$88,342
baseline
▲ 0.50% · 4.625%
HK$93,717
+HK$5,375/mo
Deposit HK$2.03M · loan HK$18.23M · min. income ≈ HK$176,684/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$775,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,480
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$94,960
−HK$2,516/mo
Today · 4.125%
HK$97,476
baseline
▲ 0.50% · 4.625%
HK$102,614
+HK$5,138/mo
Deposit HK$2.03M · loan HK$18.23M · min. income ≈ HK$194,952/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$775,325 · Scale 2, in force from 26 Feb 2026)