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$46,198
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$47,635
−HK$1,460/mo
Today · 4.125%
HK$49,095
baseline
▲ 0.50% · 4.625%
HK$52,083
+HK$2,988/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$98,190/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,395
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$52,774
−HK$1,398/mo
Today · 4.125%
HK$54,172
baseline
▲ 0.50% · 4.625%
HK$57,027
+HK$2,855/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$108,344/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,438
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,163
−HK$1,752/mo
Today · 4.125%
HK$58,915
baseline
▲ 0.50% · 4.625%
HK$62,499
+HK$3,584/mo
Deposit HK$8.10M · loan HK$12.16M · min. income ≈ HK$117,830/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,674
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,328
−HK$1,678/mo
Today · 4.125%
HK$65,006
baseline
▲ 0.50% · 4.625%
HK$68,433
+HK$3,427/mo
Deposit HK$8.10M · loan HK$12.16M · min. income ≈ HK$130,012/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,678
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$66,690
−HK$2,044/mo
Today · 4.125%
HK$68,734
baseline
▲ 0.50% · 4.625%
HK$72,916
+HK$4,182/mo
Deposit HK$6.08M · loan HK$14.18M · min. income ≈ HK$137,468/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$776,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,953
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$73,883
−HK$1,958/mo
Today · 4.125%
HK$75,841
baseline
▲ 0.50% · 4.625%
HK$79,838
+HK$3,997/mo
Deposit HK$6.08M · loan HK$14.18M · min. income ≈ HK$151,682/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$776,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,157
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$85,744
−HK$2,628/mo
Today · 4.125%
HK$88,372
baseline
▲ 0.50% · 4.625%
HK$93,749
+HK$5,377/mo
Deposit HK$2.03M · loan HK$18.23M · min. income ≈ HK$176,744/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,512
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$94,993
−HK$2,517/mo
Today · 4.125%
HK$97,510
baseline
▲ 0.50% · 4.625%
HK$102,649
+HK$5,139/mo
Deposit HK$2.03M · loan HK$18.23M · min. income ≈ HK$195,020/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,019 · Scale 2, in force from 26 Feb 2026)