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$46,208
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$47,645
−HK$1,460/mo
Today · 4.125%
HK$49,105
baseline
▲ 0.50% · 4.625%
HK$52,093
+HK$2,988/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$98,210/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,406
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$52,784
−HK$1,399/mo
Today · 4.125%
HK$54,183
baseline
▲ 0.50% · 4.625%
HK$57,039
+HK$2,856/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$108,366/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,449
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,174
−HK$1,752/mo
Today · 4.125%
HK$58,926
baseline
▲ 0.50% · 4.625%
HK$62,512
+HK$3,586/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$117,852/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,687
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,341
−HK$1,678/mo
Today · 4.125%
HK$65,019
baseline
▲ 0.50% · 4.625%
HK$68,447
+HK$3,428/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$130,038/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,691
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$66,703
−HK$2,044/mo
Today · 4.125%
HK$68,747
baseline
▲ 0.50% · 4.625%
HK$72,930
+HK$4,183/mo
Deposit HK$6.08M · loan HK$14.18M · min. income ≈ HK$137,494/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$776,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,968
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$73,898
−HK$1,958/mo
Today · 4.125%
HK$75,856
baseline
▲ 0.50% · 4.625%
HK$79,854
+HK$3,998/mo
Deposit HK$6.08M · loan HK$14.18M · min. income ≈ HK$151,712/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$776,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,174
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$85,761
−HK$2,628/mo
Today · 4.125%
HK$88,389
baseline
▲ 0.50% · 4.625%
HK$93,768
+HK$5,379/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$176,778/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,530
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$95,012
−HK$2,517/mo
Today · 4.125%
HK$97,529
baseline
▲ 0.50% · 4.625%
HK$102,670
+HK$5,141/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$195,058/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,422 · Scale 2, in force from 26 Feb 2026)