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$46,179
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$47,615
−HK$1,459/mo
Today · 4.125%
HK$49,074
baseline
▲ 0.50% · 4.625%
HK$52,060
+HK$2,986/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$98,148/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$775,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,373
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$52,751
−HK$1,398/mo
Today · 4.125%
HK$54,149
baseline
▲ 0.50% · 4.625%
HK$57,003
+HK$2,854/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$108,298/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$775,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,414
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,138
−HK$1,751/mo
Today · 4.125%
HK$58,889
baseline
▲ 0.50% · 4.625%
HK$62,473
+HK$3,584/mo
Deposit HK$8.10M · loan HK$12.15M · min. income ≈ HK$117,778/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$775,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,648
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,301
−HK$1,677/mo
Today · 4.125%
HK$64,978
baseline
▲ 0.50% · 4.625%
HK$68,404
+HK$3,426/mo
Deposit HK$8.10M · loan HK$12.15M · min. income ≈ HK$129,956/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$775,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,650
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$66,661
−HK$2,043/mo
Today · 4.125%
HK$68,704
baseline
▲ 0.50% · 4.625%
HK$72,885
+HK$4,181/mo
Deposit HK$6.08M · loan HK$14.18M · min. income ≈ HK$137,408/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$775,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,922
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$73,851
−HK$1,957/mo
Today · 4.125%
HK$75,808
baseline
▲ 0.50% · 4.625%
HK$79,804
+HK$3,996/mo
Deposit HK$6.08M · loan HK$14.18M · min. income ≈ HK$151,616/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$775,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,121
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$85,707
−HK$2,627/mo
Today · 4.125%
HK$88,334
baseline
▲ 0.50% · 4.625%
HK$93,709
+HK$5,375/mo
Deposit HK$2.03M · loan HK$18.23M · min. income ≈ HK$176,668/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$775,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,472
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$94,952
−HK$2,516/mo
Today · 4.125%
HK$97,468
baseline
▲ 0.50% · 4.625%
HK$102,605
+HK$5,137/mo
Deposit HK$2.03M · loan HK$18.23M · min. income ≈ HK$194,936/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$775,149 · Scale 2, in force from 26 Feb 2026)