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$46,250
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$47,689
−HK$1,462/mo
Today · 4.125%
HK$49,151
baseline
▲ 0.50% · 4.625%
HK$52,141
+HK$2,990/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$98,302/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$778,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,453
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$52,833
−HK$1,400/mo
Today · 4.125%
HK$54,233
baseline
▲ 0.50% · 4.625%
HK$57,092
+HK$2,859/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$108,466/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$778,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,500
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,227
−HK$1,754/mo
Today · 4.125%
HK$58,981
baseline
▲ 0.50% · 4.625%
HK$62,570
+HK$3,589/mo
Deposit HK$8.11M · loan HK$12.17M · min. income ≈ HK$117,962/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$778,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,744
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,400
−HK$1,679/mo
Today · 4.125%
HK$65,079
baseline
▲ 0.50% · 4.625%
HK$68,510
+HK$3,431/mo
Deposit HK$8.11M · loan HK$12.17M · min. income ≈ HK$130,158/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$778,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,751
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$66,765
−HK$2,046/mo
Today · 4.125%
HK$68,811
baseline
▲ 0.50% · 4.625%
HK$72,998
+HK$4,187/mo
Deposit HK$6.08M · loan HK$14.20M · min. income ≈ HK$137,622/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$778,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,034
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$73,966
−HK$1,960/mo
Today · 4.125%
HK$75,926
baseline
▲ 0.50% · 4.625%
HK$79,928
+HK$4,002/mo
Deposit HK$6.08M · loan HK$14.20M · min. income ≈ HK$151,852/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$778,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,251
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$85,840
−HK$2,631/mo
Today · 4.125%
HK$88,471
baseline
▲ 0.50% · 4.625%
HK$93,854
+HK$5,383/mo
Deposit HK$2.03M · loan HK$18.25M · min. income ≈ HK$176,942/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$778,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,616
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$95,099
−HK$2,520/mo
Today · 4.125%
HK$97,619
baseline
▲ 0.50% · 4.625%
HK$102,765
+HK$5,146/mo
Deposit HK$2.03M · loan HK$18.25M · min. income ≈ HK$195,238/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$778,297 · Scale 2, in force from 26 Feb 2026)