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$46,257
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$47,696
−HK$1,462/mo
Today · 4.125%
HK$49,158
baseline
▲ 0.50% · 4.625%
HK$52,149
+HK$2,991/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$98,316/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$778,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,460
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$52,840
−HK$1,401/mo
Today · 4.125%
HK$54,241
baseline
▲ 0.50% · 4.625%
HK$57,100
+HK$2,859/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$108,482/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$778,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,508
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,235
−HK$1,754/mo
Today · 4.125%
HK$58,989
baseline
▲ 0.50% · 4.625%
HK$62,578
+HK$3,589/mo
Deposit HK$8.11M · loan HK$12.17M · min. income ≈ HK$117,978/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$778,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,752
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$63,408
−HK$1,681/mo
Today · 4.125%
HK$65,089
baseline
▲ 0.50% · 4.625%
HK$68,520
+HK$3,431/mo
Deposit HK$8.11M · loan HK$12.17M · min. income ≈ HK$130,178/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$778,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,760
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$66,774
−HK$2,047/mo
Today · 4.125%
HK$68,821
baseline
▲ 0.50% · 4.625%
HK$73,008
+HK$4,187/mo
Deposit HK$6.09M · loan HK$14.20M · min. income ≈ HK$137,642/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$778,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,044
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$73,977
−HK$1,960/mo
Today · 4.125%
HK$75,937
baseline
▲ 0.50% · 4.625%
HK$79,939
+HK$4,002/mo
Deposit HK$6.09M · loan HK$14.20M · min. income ≈ HK$151,874/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$778,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,262
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$85,852
−HK$2,632/mo
Today · 4.125%
HK$88,484
baseline
▲ 0.50% · 4.625%
HK$93,868
+HK$5,384/mo
Deposit HK$2.03M · loan HK$18.26M · min. income ≈ HK$176,968/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$778,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,628
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$95,113
−HK$2,520/mo
Today · 4.125%
HK$97,633
baseline
▲ 0.50% · 4.625%
HK$102,779
+HK$5,146/mo
Deposit HK$2.03M · loan HK$18.26M · min. income ≈ HK$195,266/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$778,581 · Scale 2, in force from 26 Feb 2026)