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$46,209
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$47,647
−HK$1,460/mo
Today · 4.125%
HK$49,107
baseline
▲ 0.50% · 4.625%
HK$52,095
+HK$2,988/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$98,214/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,407
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,786
−HK$1,399/mo
Today · 4.125%
HK$54,185
baseline
▲ 0.50% · 4.625%
HK$57,041
+HK$2,856/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$108,370/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,451
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,176
−HK$1,752/mo
Today · 4.125%
HK$58,928
baseline
▲ 0.50% · 4.625%
HK$62,514
+HK$3,586/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$117,856/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,689
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,343
−HK$1,679/mo
Today · 4.125%
HK$65,022
baseline
▲ 0.50% · 4.625%
HK$68,449
+HK$3,427/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$130,044/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,693
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$66,705
−HK$2,045/mo
Today · 4.125%
HK$68,750
baseline
▲ 0.50% · 4.625%
HK$72,933
+HK$4,183/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$137,500/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$776,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,970
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$73,900
−HK$1,959/mo
Today · 4.125%
HK$75,859
baseline
▲ 0.50% · 4.625%
HK$79,857
+HK$3,998/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$151,718/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$776,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,177
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$85,764
−HK$2,629/mo
Today · 4.125%
HK$88,393
baseline
▲ 0.50% · 4.625%
HK$93,771
+HK$5,378/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$176,786/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,533
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$95,015
−HK$2,517/mo
Today · 4.125%
HK$97,532
baseline
▲ 0.50% · 4.625%
HK$102,674
+HK$5,142/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$195,064/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,494 · Scale 2, in force from 26 Feb 2026)