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$46,110
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$47,545
−HK$1,457/mo
Today · 4.125%
HK$49,002
baseline
▲ 0.50% · 4.625%
HK$51,983
+HK$2,981/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$98,004/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$772,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,297
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$52,673
−HK$1,396/mo
Today · 4.125%
HK$54,069
baseline
▲ 0.50% · 4.625%
HK$56,919
+HK$2,850/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$108,138/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$772,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,332
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$57,053
−HK$1,749/mo
Today · 4.125%
HK$58,802
baseline
▲ 0.50% · 4.625%
HK$62,380
+HK$3,578/mo
Deposit HK$8.09M · loan HK$12.13M · min. income ≈ HK$117,604/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$772,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,557
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,208
−HK$1,674/mo
Today · 4.125%
HK$64,882
baseline
▲ 0.50% · 4.625%
HK$68,302
+HK$3,420/mo
Deposit HK$8.09M · loan HK$12.13M · min. income ≈ HK$129,764/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$772,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,554
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$66,562
−HK$2,041/mo
Today · 4.125%
HK$68,603
baseline
▲ 0.50% · 4.625%
HK$72,777
+HK$4,174/mo
Deposit HK$6.07M · loan HK$14.16M · min. income ≈ HK$137,206/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$772,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,816
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$73,742
−HK$1,954/mo
Today · 4.125%
HK$75,696
baseline
▲ 0.50% · 4.625%
HK$79,686
+HK$3,990/mo
Deposit HK$6.07M · loan HK$14.16M · min. income ≈ HK$151,392/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$772,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,999
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$85,580
−HK$2,623/mo
Today · 4.125%
HK$88,203
baseline
▲ 0.50% · 4.625%
HK$93,570
+HK$5,367/mo
Deposit HK$2.02M · loan HK$18.20M · min. income ≈ HK$176,406/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$772,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,335
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$94,811
−HK$2,513/mo
Today · 4.125%
HK$97,324
baseline
▲ 0.50% · 4.625%
HK$102,454
+HK$5,130/mo
Deposit HK$2.02M · loan HK$18.20M · min. income ≈ HK$194,648/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$772,154 · Scale 2, in force from 26 Feb 2026)