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$46,224
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,662
−HK$1,461/mo
Today · 4.125%
HK$49,123
baseline
▲ 0.50% · 4.625%
HK$52,112
+HK$2,989/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$98,246/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$777,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,424
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,803
−HK$1,399/mo
Today · 4.125%
HK$54,202
baseline
▲ 0.50% · 4.625%
HK$57,059
+HK$2,857/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$108,404/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$777,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,469
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,195
−HK$1,753/mo
Today · 4.125%
HK$58,948
baseline
▲ 0.50% · 4.625%
HK$62,534
+HK$3,586/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$117,896/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$777,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,709
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$63,364
−HK$1,679/mo
Today · 4.125%
HK$65,043
baseline
▲ 0.50% · 4.625%
HK$68,471
+HK$3,428/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$130,086/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$777,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,714
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$66,727
−HK$2,045/mo
Today · 4.125%
HK$68,772
baseline
▲ 0.50% · 4.625%
HK$72,957
+HK$4,185/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$137,544/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$777,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,994
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$73,924
−HK$1,959/mo
Today · 4.125%
HK$75,883
baseline
▲ 0.50% · 4.625%
HK$79,883
+HK$4,000/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$151,766/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$777,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,204
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$85,792
−HK$2,629/mo
Today · 4.125%
HK$88,421
baseline
▲ 0.50% · 4.625%
HK$93,801
+HK$5,380/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$176,842/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$777,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,563
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$95,046
−HK$2,518/mo
Today · 4.125%
HK$97,564
baseline
▲ 0.50% · 4.625%
HK$102,707
+HK$5,143/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$195,128/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$777,152 · Scale 2, in force from 26 Feb 2026)