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$46,238
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,676
−HK$1,461/mo
Today · 4.125%
HK$49,137
baseline
▲ 0.50% · 4.625%
HK$52,127
+HK$2,990/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$98,274/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$777,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,439
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,819
−HK$1,399/mo
Today · 4.125%
HK$54,218
baseline
▲ 0.50% · 4.625%
HK$57,076
+HK$2,858/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$108,436/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$777,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,485
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$57,211
−HK$1,754/mo
Today · 4.125%
HK$58,965
baseline
▲ 0.50% · 4.625%
HK$62,553
+HK$3,588/mo
Deposit HK$8.11M · loan HK$12.17M · min. income ≈ HK$117,930/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$777,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,727
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,383
−HK$1,679/mo
Today · 4.125%
HK$65,062
baseline
▲ 0.50% · 4.625%
HK$68,491
+HK$3,429/mo
Deposit HK$8.11M · loan HK$12.17M · min. income ≈ HK$130,124/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$777,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,733
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$66,747
−HK$2,045/mo
Today · 4.125%
HK$68,792
baseline
▲ 0.50% · 4.625%
HK$72,978
+HK$4,186/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$137,584/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$777,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,015
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$73,946
−HK$1,960/mo
Today · 4.125%
HK$75,906
baseline
▲ 0.50% · 4.625%
HK$79,907
+HK$4,001/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$151,812/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$777,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,228
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$85,817
−HK$2,630/mo
Today · 4.125%
HK$88,447
baseline
▲ 0.50% · 4.625%
HK$93,829
+HK$5,382/mo
Deposit HK$2.03M · loan HK$18.25M · min. income ≈ HK$176,894/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$777,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,591
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$95,074
−HK$2,519/mo
Today · 4.125%
HK$97,593
baseline
▲ 0.50% · 4.625%
HK$102,737
+HK$5,144/mo
Deposit HK$2.03M · loan HK$18.25M · min. income ≈ HK$195,186/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$777,750 · Scale 2, in force from 26 Feb 2026)