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$46,127
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$47,562
−HK$1,457/mo
Today · 4.125%
HK$49,019
baseline
▲ 0.50% · 4.625%
HK$52,002
+HK$2,983/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$98,038/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$772,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,316
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$52,692
−HK$1,396/mo
Today · 4.125%
HK$54,088
baseline
▲ 0.50% · 4.625%
HK$56,939
+HK$2,851/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$108,176/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$772,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,352
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$57,074
−HK$1,749/mo
Today · 4.125%
HK$58,823
baseline
▲ 0.50% · 4.625%
HK$62,402
+HK$3,579/mo
Deposit HK$8.09M · loan HK$12.14M · min. income ≈ HK$117,646/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$772,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,579
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$63,230
−HK$1,676/mo
Today · 4.125%
HK$64,906
baseline
▲ 0.50% · 4.625%
HK$68,327
+HK$3,421/mo
Deposit HK$8.09M · loan HK$12.14M · min. income ≈ HK$129,812/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$772,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,577
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$66,586
−HK$2,041/mo
Today · 4.125%
HK$68,627
baseline
▲ 0.50% · 4.625%
HK$72,803
+HK$4,176/mo
Deposit HK$6.07M · loan HK$14.16M · min. income ≈ HK$137,254/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$772,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,842
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$73,768
−HK$1,955/mo
Today · 4.125%
HK$75,723
baseline
▲ 0.50% · 4.625%
HK$79,715
+HK$3,992/mo
Deposit HK$6.07M · loan HK$14.16M · min. income ≈ HK$151,446/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$772,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,028
−HK$5,207/mo
▼ 0.25% · 3.875%
HK$85,611
−HK$2,624/mo
Today · 4.125%
HK$88,235
baseline
▲ 0.50% · 4.625%
HK$93,604
+HK$5,369/mo
Deposit HK$2.02M · loan HK$18.21M · min. income ≈ HK$176,470/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$772,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,368
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$94,845
−HK$2,513/mo
Today · 4.125%
HK$97,358
baseline
▲ 0.50% · 4.625%
HK$102,490
+HK$5,132/mo
Deposit HK$2.02M · loan HK$18.21M · min. income ≈ HK$194,716/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$772,875 · Scale 2, in force from 26 Feb 2026)