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$46,207
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$47,644
−HK$1,460/mo
Today · 4.125%
HK$49,104
baseline
▲ 0.50% · 4.625%
HK$52,092
+HK$2,988/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$98,208/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,404
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$52,783
−HK$1,398/mo
Today · 4.125%
HK$54,181
baseline
▲ 0.50% · 4.625%
HK$57,037
+HK$2,856/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$108,362/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,448
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,173
−HK$1,752/mo
Today · 4.125%
HK$58,925
baseline
▲ 0.50% · 4.625%
HK$62,510
+HK$3,585/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$117,850/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,685
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,339
−HK$1,679/mo
Today · 4.125%
HK$65,018
baseline
▲ 0.50% · 4.625%
HK$68,445
+HK$3,427/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$130,036/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,689
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$66,701
−HK$2,045/mo
Today · 4.125%
HK$68,746
baseline
▲ 0.50% · 4.625%
HK$72,929
+HK$4,183/mo
Deposit HK$6.08M · loan HK$14.18M · min. income ≈ HK$137,492/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$776,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,966
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$73,896
−HK$1,958/mo
Today · 4.125%
HK$75,854
baseline
▲ 0.50% · 4.625%
HK$79,852
+HK$3,998/mo
Deposit HK$6.08M · loan HK$14.18M · min. income ≈ HK$151,708/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$776,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,172
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$85,759
−HK$2,628/mo
Today · 4.125%
HK$88,387
baseline
▲ 0.50% · 4.625%
HK$93,765
+HK$5,378/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$176,774/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,528
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$95,009
−HK$2,518/mo
Today · 4.125%
HK$97,527
baseline
▲ 0.50% · 4.625%
HK$102,667
+HK$5,140/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$195,054/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,373 · Scale 2, in force from 26 Feb 2026)