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$46,145
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$47,580
−HK$1,458/mo
Today · 4.125%
HK$49,038
baseline
▲ 0.50% · 4.625%
HK$52,022
+HK$2,984/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$98,076/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$773,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,336
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$52,712
−HK$1,397/mo
Today · 4.125%
HK$54,109
baseline
▲ 0.50% · 4.625%
HK$56,961
+HK$2,852/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$108,218/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$773,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,374
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$57,096
−HK$1,750/mo
Today · 4.125%
HK$58,846
baseline
▲ 0.50% · 4.625%
HK$62,427
+HK$3,581/mo
Deposit HK$8.09M · loan HK$12.14M · min. income ≈ HK$117,692/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$773,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,603
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$63,255
−HK$1,676/mo
Today · 4.125%
HK$64,931
baseline
▲ 0.50% · 4.625%
HK$68,353
+HK$3,422/mo
Deposit HK$8.09M · loan HK$12.14M · min. income ≈ HK$129,862/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$773,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,603
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$66,612
−HK$2,042/mo
Today · 4.125%
HK$68,654
baseline
▲ 0.50% · 4.625%
HK$72,831
+HK$4,177/mo
Deposit HK$6.07M · loan HK$14.17M · min. income ≈ HK$137,308/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$773,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,870
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$73,797
−HK$1,956/mo
Today · 4.125%
HK$75,753
baseline
▲ 0.50% · 4.625%
HK$79,746
+HK$3,993/mo
Deposit HK$6.07M · loan HK$14.17M · min. income ≈ HK$151,506/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$773,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,060
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$85,644
−HK$2,625/mo
Today · 4.125%
HK$88,269
baseline
▲ 0.50% · 4.625%
HK$93,640
+HK$5,371/mo
Deposit HK$2.02M · loan HK$18.21M · min. income ≈ HK$176,538/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$773,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,404
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$94,882
−HK$2,514/mo
Today · 4.125%
HK$97,396
baseline
▲ 0.50% · 4.625%
HK$102,530
+HK$5,134/mo
Deposit HK$2.02M · loan HK$18.21M · min. income ≈ HK$194,792/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$773,663 · Scale 2, in force from 26 Feb 2026)