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$46,155
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$47,590
−HK$1,459/mo
Today · 4.125%
HK$49,049
baseline
▲ 0.50% · 4.625%
HK$52,034
+HK$2,985/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$98,098/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$774,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,347
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$52,724
−HK$1,397/mo
Today · 4.125%
HK$54,121
baseline
▲ 0.50% · 4.625%
HK$56,974
+HK$2,853/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$108,242/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$774,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,386
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,108
−HK$1,751/mo
Today · 4.125%
HK$58,859
baseline
▲ 0.50% · 4.625%
HK$62,440
+HK$3,581/mo
Deposit HK$8.10M · loan HK$12.14M · min. income ≈ HK$117,718/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$774,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,616
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$63,269
−HK$1,676/mo
Today · 4.125%
HK$64,945
baseline
▲ 0.50% · 4.625%
HK$68,368
+HK$3,423/mo
Deposit HK$8.10M · loan HK$12.14M · min. income ≈ HK$129,890/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$774,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,617
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$66,627
−HK$2,042/mo
Today · 4.125%
HK$68,669
baseline
▲ 0.50% · 4.625%
HK$72,847
+HK$4,178/mo
Deposit HK$6.07M · loan HK$14.17M · min. income ≈ HK$137,338/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$774,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,885
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$73,813
−HK$1,956/mo
Today · 4.125%
HK$75,769
baseline
▲ 0.50% · 4.625%
HK$79,763
+HK$3,994/mo
Deposit HK$6.07M · loan HK$14.17M · min. income ≈ HK$151,538/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$774,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,079
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$85,663
−HK$2,625/mo
Today · 4.125%
HK$88,288
baseline
▲ 0.50% · 4.625%
HK$93,660
+HK$5,372/mo
Deposit HK$2.02M · loan HK$18.22M · min. income ≈ HK$176,576/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$774,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,424
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$94,903
−HK$2,514/mo
Today · 4.125%
HK$97,417
baseline
▲ 0.50% · 4.625%
HK$102,552
+HK$5,135/mo
Deposit HK$2.02M · loan HK$18.22M · min. income ≈ HK$194,834/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$774,103 · Scale 2, in force from 26 Feb 2026)