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$46,261
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$47,700
−HK$1,462/mo
Today · 4.125%
HK$49,162
baseline
▲ 0.50% · 4.625%
HK$52,154
+HK$2,992/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$98,324/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$778,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,465
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$52,846
−HK$1,400/mo
Today · 4.125%
HK$54,246
baseline
▲ 0.50% · 4.625%
HK$57,105
+HK$2,859/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$108,492/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$778,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,514
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,240
−HK$1,755/mo
Today · 4.125%
HK$58,995
baseline
▲ 0.50% · 4.625%
HK$62,585
+HK$3,590/mo
Deposit HK$8.12M · loan HK$12.17M · min. income ≈ HK$117,990/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$778,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,758
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$63,415
−HK$1,680/mo
Today · 4.125%
HK$65,095
baseline
▲ 0.50% · 4.625%
HK$68,526
+HK$3,431/mo
Deposit HK$8.12M · loan HK$12.17M · min. income ≈ HK$130,190/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$778,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,766
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$66,781
−HK$2,046/mo
Today · 4.125%
HK$68,827
baseline
▲ 0.50% · 4.625%
HK$73,015
+HK$4,188/mo
Deposit HK$6.09M · loan HK$14.20M · min. income ≈ HK$137,654/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$778,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,052
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$73,984
−HK$1,960/mo
Today · 4.125%
HK$75,944
baseline
▲ 0.50% · 4.625%
HK$79,947
+HK$4,003/mo
Deposit HK$6.09M · loan HK$14.20M · min. income ≈ HK$151,888/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$778,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,271
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$85,861
−HK$2,631/mo
Today · 4.125%
HK$88,492
baseline
▲ 0.50% · 4.625%
HK$93,877
+HK$5,385/mo
Deposit HK$2.03M · loan HK$18.26M · min. income ≈ HK$176,984/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$778,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,638
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$95,122
−HK$2,521/mo
Today · 4.125%
HK$97,643
baseline
▲ 0.50% · 4.625%
HK$102,789
+HK$5,146/mo
Deposit HK$2.03M · loan HK$18.26M · min. income ≈ HK$195,286/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$778,782 · Scale 2, in force from 26 Feb 2026)