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$46,249
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,688
−HK$1,461/mo
Today · 4.125%
HK$49,149
baseline
▲ 0.50% · 4.625%
HK$52,140
+HK$2,991/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$98,298/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$778,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,452
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$52,832
−HK$1,400/mo
Today · 4.125%
HK$54,232
baseline
▲ 0.50% · 4.625%
HK$57,090
+HK$2,858/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$108,464/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$778,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,499
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$57,225
−HK$1,754/mo
Today · 4.125%
HK$58,979
baseline
▲ 0.50% · 4.625%
HK$62,568
+HK$3,589/mo
Deposit HK$8.11M · loan HK$12.17M · min. income ≈ HK$117,958/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$778,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,742
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,398
−HK$1,680/mo
Today · 4.125%
HK$65,078
baseline
▲ 0.50% · 4.625%
HK$68,508
+HK$3,430/mo
Deposit HK$8.11M · loan HK$12.17M · min. income ≈ HK$130,156/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$778,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,749
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$66,763
−HK$2,046/mo
Today · 4.125%
HK$68,809
baseline
▲ 0.50% · 4.625%
HK$72,996
+HK$4,187/mo
Deposit HK$6.08M · loan HK$14.20M · min. income ≈ HK$137,618/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$778,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,032
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$73,964
−HK$1,960/mo
Today · 4.125%
HK$75,924
baseline
▲ 0.50% · 4.625%
HK$79,926
+HK$4,002/mo
Deposit HK$6.08M · loan HK$14.20M · min. income ≈ HK$151,848/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$778,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,249
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$85,838
−HK$2,631/mo
Today · 4.125%
HK$88,469
baseline
▲ 0.50% · 4.625%
HK$93,852
+HK$5,383/mo
Deposit HK$2.03M · loan HK$18.25M · min. income ≈ HK$176,938/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$778,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,613
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$95,097
−HK$2,520/mo
Today · 4.125%
HK$97,617
baseline
▲ 0.50% · 4.625%
HK$102,762
+HK$5,145/mo
Deposit HK$2.03M · loan HK$18.25M · min. income ≈ HK$195,234/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$778,246 · Scale 2, in force from 26 Feb 2026)