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$46,152
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$47,588
−HK$1,459/mo
Today · 4.125%
HK$49,047
baseline
▲ 0.50% · 4.625%
HK$52,031
+HK$2,984/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$98,094/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$774,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,344
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$52,721
−HK$1,397/mo
Today · 4.125%
HK$54,118
baseline
▲ 0.50% · 4.625%
HK$56,971
+HK$2,853/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$108,236/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$774,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,383
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,106
−HK$1,750/mo
Today · 4.125%
HK$58,856
baseline
▲ 0.50% · 4.625%
HK$62,437
+HK$3,581/mo
Deposit HK$8.10M · loan HK$12.14M · min. income ≈ HK$117,712/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$774,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,613
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$63,265
−HK$1,677/mo
Today · 4.125%
HK$64,942
baseline
▲ 0.50% · 4.625%
HK$68,365
+HK$3,423/mo
Deposit HK$8.10M · loan HK$12.14M · min. income ≈ HK$129,884/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$774,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,613
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$66,623
−HK$2,042/mo
Today · 4.125%
HK$68,665
baseline
▲ 0.50% · 4.625%
HK$72,843
+HK$4,178/mo
Deposit HK$6.07M · loan HK$14.17M · min. income ≈ HK$137,330/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$774,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,882
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$73,810
−HK$1,955/mo
Today · 4.125%
HK$75,765
baseline
▲ 0.50% · 4.625%
HK$79,759
+HK$3,994/mo
Deposit HK$6.07M · loan HK$14.17M · min. income ≈ HK$151,530/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$774,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,074
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$85,659
−HK$2,625/mo
Today · 4.125%
HK$88,284
baseline
▲ 0.50% · 4.625%
HK$93,656
+HK$5,372/mo
Deposit HK$2.02M · loan HK$18.22M · min. income ≈ HK$176,568/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$774,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,420
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$94,898
−HK$2,515/mo
Today · 4.125%
HK$97,413
baseline
▲ 0.50% · 4.625%
HK$102,547
+HK$5,134/mo
Deposit HK$2.02M · loan HK$18.22M · min. income ≈ HK$194,826/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$774,005 · Scale 2, in force from 26 Feb 2026)