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$46,231
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,669
−HK$1,461/mo
Today · 4.125%
HK$49,130
baseline
▲ 0.50% · 4.625%
HK$52,120
+HK$2,990/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$98,260/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$777,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,432
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,811
−HK$1,399/mo
Today · 4.125%
HK$54,210
baseline
▲ 0.50% · 4.625%
HK$57,068
+HK$2,858/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$108,420/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$777,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,477
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,203
−HK$1,753/mo
Today · 4.125%
HK$58,956
baseline
▲ 0.50% · 4.625%
HK$62,544
+HK$3,588/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$117,912/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$777,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,718
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$63,373
−HK$1,679/mo
Today · 4.125%
HK$65,052
baseline
▲ 0.50% · 4.625%
HK$68,481
+HK$3,429/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$130,104/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$777,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,723
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$66,737
−HK$2,045/mo
Today · 4.125%
HK$68,782
baseline
▲ 0.50% · 4.625%
HK$72,967
+HK$4,185/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$137,564/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$777,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,004
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$73,935
−HK$1,959/mo
Today · 4.125%
HK$75,894
baseline
▲ 0.50% · 4.625%
HK$79,895
+HK$4,001/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$151,788/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$777,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,216
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$85,804
−HK$2,630/mo
Today · 4.125%
HK$88,434
baseline
▲ 0.50% · 4.625%
HK$93,815
+HK$5,381/mo
Deposit HK$2.03M · loan HK$18.25M · min. income ≈ HK$176,868/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$777,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,577
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$95,060
−HK$2,519/mo
Today · 4.125%
HK$97,579
baseline
▲ 0.50% · 4.625%
HK$102,722
+HK$5,143/mo
Deposit HK$2.03M · loan HK$18.25M · min. income ≈ HK$195,158/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$777,451 · Scale 2, in force from 26 Feb 2026)