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$46,240
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,679
−HK$1,461/mo
Today · 4.125%
HK$49,140
baseline
▲ 0.50% · 4.625%
HK$52,130
+HK$2,990/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$98,280/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$777,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,442
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,822
−HK$1,399/mo
Today · 4.125%
HK$54,221
baseline
▲ 0.50% · 4.625%
HK$57,079
+HK$2,858/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$108,442/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$777,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,489
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,215
−HK$1,753/mo
Today · 4.125%
HK$58,968
baseline
▲ 0.50% · 4.625%
HK$62,556
+HK$3,588/mo
Deposit HK$8.11M · loan HK$12.17M · min. income ≈ HK$117,936/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$777,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,730
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,386
−HK$1,680/mo
Today · 4.125%
HK$65,066
baseline
▲ 0.50% · 4.625%
HK$68,495
+HK$3,429/mo
Deposit HK$8.11M · loan HK$12.17M · min. income ≈ HK$130,132/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$777,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,737
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$66,750
−HK$2,046/mo
Today · 4.125%
HK$68,796
baseline
▲ 0.50% · 4.625%
HK$72,982
+HK$4,186/mo
Deposit HK$6.08M · loan HK$14.20M · min. income ≈ HK$137,592/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$777,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,019
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$73,950
−HK$1,960/mo
Today · 4.125%
HK$75,910
baseline
▲ 0.50% · 4.625%
HK$79,911
+HK$4,001/mo
Deposit HK$6.08M · loan HK$14.20M · min. income ≈ HK$151,820/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$777,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,233
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$85,822
−HK$2,630/mo
Today · 4.125%
HK$88,452
baseline
▲ 0.50% · 4.625%
HK$93,834
+HK$5,382/mo
Deposit HK$2.03M · loan HK$18.25M · min. income ≈ HK$176,904/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$777,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,596
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$95,079
−HK$2,519/mo
Today · 4.125%
HK$97,598
baseline
▲ 0.50% · 4.625%
HK$102,743
+HK$5,145/mo
Deposit HK$2.03M · loan HK$18.25M · min. income ≈ HK$195,196/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$777,863 · Scale 2, in force from 26 Feb 2026)