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$46,260
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$47,699
−HK$1,462/mo
Today · 4.125%
HK$49,161
baseline
▲ 0.50% · 4.625%
HK$52,153
+HK$2,992/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$98,322/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$778,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,464
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$52,845
−HK$1,400/mo
Today · 4.125%
HK$54,245
baseline
▲ 0.50% · 4.625%
HK$57,104
+HK$2,859/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$108,490/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$778,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,513
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,239
−HK$1,755/mo
Today · 4.125%
HK$58,994
baseline
▲ 0.50% · 4.625%
HK$62,583
+HK$3,589/mo
Deposit HK$8.11M · loan HK$12.17M · min. income ≈ HK$117,988/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$778,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,757
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$63,414
−HK$1,680/mo
Today · 4.125%
HK$65,094
baseline
▲ 0.50% · 4.625%
HK$68,525
+HK$3,431/mo
Deposit HK$8.11M · loan HK$12.17M · min. income ≈ HK$130,188/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$778,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,765
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$66,779
−HK$2,047/mo
Today · 4.125%
HK$68,826
baseline
▲ 0.50% · 4.625%
HK$73,014
+HK$4,188/mo
Deposit HK$6.09M · loan HK$14.20M · min. income ≈ HK$137,652/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$778,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,050
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$73,982
−HK$1,961/mo
Today · 4.125%
HK$75,943
baseline
▲ 0.50% · 4.625%
HK$79,946
+HK$4,003/mo
Deposit HK$6.09M · loan HK$14.20M · min. income ≈ HK$151,886/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$778,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,269
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$85,859
−HK$2,632/mo
Today · 4.125%
HK$88,491
baseline
▲ 0.50% · 4.625%
HK$93,875
+HK$5,384/mo
Deposit HK$2.03M · loan HK$18.26M · min. income ≈ HK$176,982/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$778,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,636
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$95,120
−HK$2,521/mo
Today · 4.125%
HK$97,641
baseline
▲ 0.50% · 4.625%
HK$102,787
+HK$5,146/mo
Deposit HK$2.03M · loan HK$18.26M · min. income ≈ HK$195,282/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$778,741 · Scale 2, in force from 26 Feb 2026)