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$46,254
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$47,693
−HK$1,462/mo
Today · 4.125%
HK$49,155
baseline
▲ 0.50% · 4.625%
HK$52,146
+HK$2,991/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$98,310/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$778,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,457
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$52,837
−HK$1,400/mo
Today · 4.125%
HK$54,237
baseline
▲ 0.50% · 4.625%
HK$57,096
+HK$2,859/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$108,474/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$778,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,505
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,231
−HK$1,755/mo
Today · 4.125%
HK$58,986
baseline
▲ 0.50% · 4.625%
HK$62,575
+HK$3,589/mo
Deposit HK$8.11M · loan HK$12.17M · min. income ≈ HK$117,972/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$778,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,749
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,405
−HK$1,680/mo
Today · 4.125%
HK$65,085
baseline
▲ 0.50% · 4.625%
HK$68,515
+HK$3,430/mo
Deposit HK$8.11M · loan HK$12.17M · min. income ≈ HK$130,170/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$778,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,756
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$66,770
−HK$2,046/mo
Today · 4.125%
HK$68,816
baseline
▲ 0.50% · 4.625%
HK$73,004
+HK$4,188/mo
Deposit HK$6.09M · loan HK$14.20M · min. income ≈ HK$137,632/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$778,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,040
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$73,972
−HK$1,960/mo
Today · 4.125%
HK$75,932
baseline
▲ 0.50% · 4.625%
HK$79,935
+HK$4,003/mo
Deposit HK$6.09M · loan HK$14.20M · min. income ≈ HK$151,864/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$778,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,257
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$85,847
−HK$2,631/mo
Today · 4.125%
HK$88,478
baseline
▲ 0.50% · 4.625%
HK$93,862
+HK$5,384/mo
Deposit HK$2.03M · loan HK$18.26M · min. income ≈ HK$176,956/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$778,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,623
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$95,107
−HK$2,520/mo
Today · 4.125%
HK$97,627
baseline
▲ 0.50% · 4.625%
HK$102,773
+HK$5,146/mo
Deposit HK$2.03M · loan HK$18.26M · min. income ≈ HK$195,254/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$778,459 · Scale 2, in force from 26 Feb 2026)