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$46,259
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$47,698
−HK$1,462/mo
Today · 4.125%
HK$49,160
baseline
▲ 0.50% · 4.625%
HK$52,151
+HK$2,991/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$98,320/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$778,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,463
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$52,843
−HK$1,400/mo
Today · 4.125%
HK$54,243
baseline
▲ 0.50% · 4.625%
HK$57,102
+HK$2,859/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$108,486/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$778,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,511
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,237
−HK$1,755/mo
Today · 4.125%
HK$58,992
baseline
▲ 0.50% · 4.625%
HK$62,581
+HK$3,589/mo
Deposit HK$8.11M · loan HK$12.17M · min. income ≈ HK$117,984/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$778,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,755
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$63,411
−HK$1,681/mo
Today · 4.125%
HK$65,092
baseline
▲ 0.50% · 4.625%
HK$68,523
+HK$3,431/mo
Deposit HK$8.11M · loan HK$12.17M · min. income ≈ HK$130,184/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$778,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,762
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$66,777
−HK$2,047/mo
Today · 4.125%
HK$68,824
baseline
▲ 0.50% · 4.625%
HK$73,011
+HK$4,187/mo
Deposit HK$6.09M · loan HK$14.20M · min. income ≈ HK$137,648/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$778,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,048
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$73,980
−HK$1,960/mo
Today · 4.125%
HK$75,940
baseline
▲ 0.50% · 4.625%
HK$79,943
+HK$4,003/mo
Deposit HK$6.09M · loan HK$14.20M · min. income ≈ HK$151,880/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$778,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,266
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$85,856
−HK$2,632/mo
Today · 4.125%
HK$88,488
baseline
▲ 0.50% · 4.625%
HK$93,872
+HK$5,384/mo
Deposit HK$2.03M · loan HK$18.26M · min. income ≈ HK$176,976/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$778,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,633
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$95,117
−HK$2,520/mo
Today · 4.125%
HK$97,637
baseline
▲ 0.50% · 4.625%
HK$102,784
+HK$5,147/mo
Deposit HK$2.03M · loan HK$18.26M · min. income ≈ HK$195,274/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$778,671 · Scale 2, in force from 26 Feb 2026)