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$46,233
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,671
−HK$1,462/mo
Today · 4.125%
HK$49,133
baseline
▲ 0.50% · 4.625%
HK$52,122
+HK$2,989/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$98,266/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$777,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,434
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,814
−HK$1,399/mo
Today · 4.125%
HK$54,213
baseline
▲ 0.50% · 4.625%
HK$57,071
+HK$2,858/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$108,426/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$777,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,480
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,206
−HK$1,753/mo
Today · 4.125%
HK$58,959
baseline
▲ 0.50% · 4.625%
HK$62,547
+HK$3,588/mo
Deposit HK$8.11M · loan HK$12.17M · min. income ≈ HK$117,918/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$777,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,721
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,376
−HK$1,680/mo
Today · 4.125%
HK$65,056
baseline
▲ 0.50% · 4.625%
HK$68,485
+HK$3,429/mo
Deposit HK$8.11M · loan HK$12.17M · min. income ≈ HK$130,112/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$777,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,727
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$66,740
−HK$2,046/mo
Today · 4.125%
HK$68,786
baseline
▲ 0.50% · 4.625%
HK$72,971
+HK$4,185/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$137,572/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$777,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,008
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$73,939
−HK$1,959/mo
Today · 4.125%
HK$75,898
baseline
▲ 0.50% · 4.625%
HK$79,899
+HK$4,001/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$151,796/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$777,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,220
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$85,809
−HK$2,630/mo
Today · 4.125%
HK$88,439
baseline
▲ 0.50% · 4.625%
HK$93,820
+HK$5,381/mo
Deposit HK$2.03M · loan HK$18.25M · min. income ≈ HK$176,878/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$777,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,581
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$95,064
−HK$2,519/mo
Today · 4.125%
HK$97,583
baseline
▲ 0.50% · 4.625%
HK$102,727
+HK$5,144/mo
Deposit HK$2.03M · loan HK$18.25M · min. income ≈ HK$195,166/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$777,549 · Scale 2, in force from 26 Feb 2026)