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$46,214
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$47,652
−HK$1,460/mo
Today · 4.125%
HK$49,112
baseline
▲ 0.50% · 4.625%
HK$52,100
+HK$2,988/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$98,224/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,413
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$52,792
−HK$1,398/mo
Today · 4.125%
HK$54,190
baseline
▲ 0.50% · 4.625%
HK$57,047
+HK$2,857/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$108,380/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,457
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,182
−HK$1,752/mo
Today · 4.125%
HK$58,934
baseline
▲ 0.50% · 4.625%
HK$62,521
+HK$3,587/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$117,868/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,695
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,350
−HK$1,678/mo
Today · 4.125%
HK$65,028
baseline
▲ 0.50% · 4.625%
HK$68,456
+HK$3,428/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$130,056/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,700
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$66,712
−HK$2,045/mo
Today · 4.125%
HK$68,757
baseline
▲ 0.50% · 4.625%
HK$72,941
+HK$4,184/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$137,514/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$776,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,978
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$73,908
−HK$1,958/mo
Today · 4.125%
HK$75,866
baseline
▲ 0.50% · 4.625%
HK$79,865
+HK$3,999/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$151,732/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$776,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,185
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$85,773
−HK$2,629/mo
Today · 4.125%
HK$88,402
baseline
▲ 0.50% · 4.625%
HK$93,781
+HK$5,379/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$176,804/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,543
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$95,025
−HK$2,518/mo
Today · 4.125%
HK$97,543
baseline
▲ 0.50% · 4.625%
HK$102,684
+HK$5,141/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$195,086/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,704 · Scale 2, in force from 26 Feb 2026)