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$46,121
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$47,556
−HK$1,458/mo
Today · 4.125%
HK$49,014
baseline
▲ 0.50% · 4.625%
HK$51,996
+HK$2,982/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$98,028/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$772,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,309
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$52,686
−HK$1,396/mo
Today · 4.125%
HK$54,082
baseline
▲ 0.50% · 4.625%
HK$56,932
+HK$2,850/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$108,164/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$772,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,346
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$57,067
−HK$1,749/mo
Today · 4.125%
HK$58,816
baseline
▲ 0.50% · 4.625%
HK$62,395
+HK$3,579/mo
Deposit HK$8.09M · loan HK$12.14M · min. income ≈ HK$117,632/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$772,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,571
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$63,223
−HK$1,675/mo
Today · 4.125%
HK$64,898
baseline
▲ 0.50% · 4.625%
HK$68,319
+HK$3,421/mo
Deposit HK$8.09M · loan HK$12.14M · min. income ≈ HK$129,796/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$772,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,570
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$66,578
−HK$2,041/mo
Today · 4.125%
HK$68,619
baseline
▲ 0.50% · 4.625%
HK$72,794
+HK$4,175/mo
Deposit HK$6.07M · loan HK$14.16M · min. income ≈ HK$137,238/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$772,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,833
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$73,760
−HK$1,954/mo
Today · 4.125%
HK$75,714
baseline
▲ 0.50% · 4.625%
HK$79,705
+HK$3,991/mo
Deposit HK$6.07M · loan HK$14.16M · min. income ≈ HK$151,428/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$772,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,018
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$85,601
−HK$2,623/mo
Today · 4.125%
HK$88,224
baseline
▲ 0.50% · 4.625%
HK$93,593
+HK$5,369/mo
Deposit HK$2.02M · loan HK$18.20M · min. income ≈ HK$176,448/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$772,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,357
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$94,834
−HK$2,513/mo
Today · 4.125%
HK$97,347
baseline
▲ 0.50% · 4.625%
HK$102,478
+HK$5,131/mo
Deposit HK$2.02M · loan HK$18.20M · min. income ≈ HK$194,694/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$772,637 · Scale 2, in force from 26 Feb 2026)