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$46,221
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,659
−HK$1,461/mo
Today · 4.125%
HK$49,120
baseline
▲ 0.50% · 4.625%
HK$52,108
+HK$2,988/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$98,240/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$777,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,421
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,800
−HK$1,399/mo
Today · 4.125%
HK$54,199
baseline
▲ 0.50% · 4.625%
HK$57,056
+HK$2,857/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$108,398/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$777,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,465
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,191
−HK$1,753/mo
Today · 4.125%
HK$58,944
baseline
▲ 0.50% · 4.625%
HK$62,530
+HK$3,586/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$117,888/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$777,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,705
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,360
−HK$1,678/mo
Today · 4.125%
HK$65,038
baseline
▲ 0.50% · 4.625%
HK$68,467
+HK$3,429/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$130,076/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$777,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,710
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$66,722
−HK$2,045/mo
Today · 4.125%
HK$68,767
baseline
▲ 0.50% · 4.625%
HK$72,952
+HK$4,185/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$137,534/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$777,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,989
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$73,919
−HK$1,959/mo
Today · 4.125%
HK$75,878
baseline
▲ 0.50% · 4.625%
HK$79,878
+HK$4,000/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$151,756/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$777,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,198
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$85,786
−HK$2,629/mo
Today · 4.125%
HK$88,415
baseline
▲ 0.50% · 4.625%
HK$93,795
+HK$5,380/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$176,830/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$777,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,557
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$95,039
−HK$2,519/mo
Today · 4.125%
HK$97,558
baseline
▲ 0.50% · 4.625%
HK$102,700
+HK$5,142/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$195,116/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$777,015 · Scale 2, in force from 26 Feb 2026)