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$46,200
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$47,637
−HK$1,460/mo
Today · 4.125%
HK$49,097
baseline
▲ 0.50% · 4.625%
HK$52,084
+HK$2,987/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$98,194/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,397
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$52,775
−HK$1,398/mo
Today · 4.125%
HK$54,173
baseline
▲ 0.50% · 4.625%
HK$57,029
+HK$2,856/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$108,346/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,440
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$57,164
−HK$1,752/mo
Today · 4.125%
HK$58,916
baseline
▲ 0.50% · 4.625%
HK$62,501
+HK$3,585/mo
Deposit HK$8.10M · loan HK$12.16M · min. income ≈ HK$117,832/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,676
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,330
−HK$1,678/mo
Today · 4.125%
HK$65,008
baseline
▲ 0.50% · 4.625%
HK$68,435
+HK$3,427/mo
Deposit HK$8.10M · loan HK$12.16M · min. income ≈ HK$130,016/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,680
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$66,691
−HK$2,045/mo
Today · 4.125%
HK$68,736
baseline
▲ 0.50% · 4.625%
HK$72,918
+HK$4,182/mo
Deposit HK$6.08M · loan HK$14.18M · min. income ≈ HK$137,472/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$776,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,955
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$73,885
−HK$1,958/mo
Today · 4.125%
HK$75,843
baseline
▲ 0.50% · 4.625%
HK$79,841
+HK$3,998/mo
Deposit HK$6.08M · loan HK$14.18M · min. income ≈ HK$151,686/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$776,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,159
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$85,746
−HK$2,628/mo
Today · 4.125%
HK$88,374
baseline
▲ 0.50% · 4.625%
HK$93,752
+HK$5,378/mo
Deposit HK$2.03M · loan HK$18.23M · min. income ≈ HK$176,748/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,514
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$94,995
−HK$2,517/mo
Today · 4.125%
HK$97,512
baseline
▲ 0.50% · 4.625%
HK$102,652
+HK$5,140/mo
Deposit HK$2.03M · loan HK$18.23M · min. income ≈ HK$195,024/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,074 · Scale 2, in force from 26 Feb 2026)