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$46,213
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$47,650
−HK$1,461/mo
Today · 4.125%
HK$49,111
baseline
▲ 0.50% · 4.625%
HK$52,099
+HK$2,988/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$98,222/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,411
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,790
−HK$1,399/mo
Today · 4.125%
HK$54,189
baseline
▲ 0.50% · 4.625%
HK$57,045
+HK$2,856/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$108,378/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,455
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$57,180
−HK$1,753/mo
Today · 4.125%
HK$58,933
baseline
▲ 0.50% · 4.625%
HK$62,519
+HK$3,586/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$117,866/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,693
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,348
−HK$1,678/mo
Today · 4.125%
HK$65,026
baseline
▲ 0.50% · 4.625%
HK$68,454
+HK$3,428/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$130,052/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,698
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$66,710
−HK$2,045/mo
Today · 4.125%
HK$68,755
baseline
▲ 0.50% · 4.625%
HK$72,938
+HK$4,183/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$137,510/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$776,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,976
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$73,906
−HK$1,958/mo
Today · 4.125%
HK$75,864
baseline
▲ 0.50% · 4.625%
HK$79,863
+HK$3,999/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$151,728/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$776,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,183
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$85,770
−HK$2,629/mo
Today · 4.125%
HK$88,399
baseline
▲ 0.50% · 4.625%
HK$93,778
+HK$5,379/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$176,798/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,540
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$95,022
−HK$2,518/mo
Today · 4.125%
HK$97,540
baseline
▲ 0.50% · 4.625%
HK$102,681
+HK$5,141/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$195,080/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,643 · Scale 2, in force from 26 Feb 2026)