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$46,193
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$47,630
−HK$1,460/mo
Today · 4.125%
HK$49,090
baseline
▲ 0.50% · 4.625%
HK$52,077
+HK$2,987/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$98,180/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$775,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,390
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$52,768
−HK$1,398/mo
Today · 4.125%
HK$54,166
baseline
▲ 0.50% · 4.625%
HK$57,021
+HK$2,855/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$108,332/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$775,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,432
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$57,156
−HK$1,752/mo
Today · 4.125%
HK$58,908
baseline
▲ 0.50% · 4.625%
HK$62,493
+HK$3,585/mo
Deposit HK$8.10M · loan HK$12.15M · min. income ≈ HK$117,816/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$775,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,668
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$63,322
−HK$1,677/mo
Today · 4.125%
HK$64,999
baseline
▲ 0.50% · 4.625%
HK$68,426
+HK$3,427/mo
Deposit HK$8.10M · loan HK$12.15M · min. income ≈ HK$129,998/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$775,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,671
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$66,682
−HK$2,044/mo
Today · 4.125%
HK$68,726
baseline
▲ 0.50% · 4.625%
HK$72,908
+HK$4,182/mo
Deposit HK$6.08M · loan HK$14.18M · min. income ≈ HK$137,452/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$775,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,946
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$73,875
−HK$1,958/mo
Today · 4.125%
HK$75,833
baseline
▲ 0.50% · 4.625%
HK$79,830
+HK$3,997/mo
Deposit HK$6.08M · loan HK$14.18M · min. income ≈ HK$151,666/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$775,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,148
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$85,734
−HK$2,628/mo
Today · 4.125%
HK$88,362
baseline
▲ 0.50% · 4.625%
HK$93,739
+HK$5,377/mo
Deposit HK$2.03M · loan HK$18.23M · min. income ≈ HK$176,724/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$775,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,501
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$94,982
−HK$2,517/mo
Today · 4.125%
HK$97,499
baseline
▲ 0.50% · 4.625%
HK$102,638
+HK$5,139/mo
Deposit HK$2.03M · loan HK$18.23M · min. income ≈ HK$194,998/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$775,799 · Scale 2, in force from 26 Feb 2026)