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$46,199
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$47,636
−HK$1,460/mo
Today · 4.125%
HK$49,096
baseline
▲ 0.50% · 4.625%
HK$52,084
+HK$2,988/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$98,192/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,396
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$52,775
−HK$1,398/mo
Today · 4.125%
HK$54,173
baseline
▲ 0.50% · 4.625%
HK$57,028
+HK$2,855/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$108,346/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,439
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,163
−HK$1,753/mo
Today · 4.125%
HK$58,916
baseline
▲ 0.50% · 4.625%
HK$62,500
+HK$3,584/mo
Deposit HK$8.10M · loan HK$12.16M · min. income ≈ HK$117,832/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,675
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,329
−HK$1,678/mo
Today · 4.125%
HK$65,007
baseline
▲ 0.50% · 4.625%
HK$68,434
+HK$3,427/mo
Deposit HK$8.10M · loan HK$12.16M · min. income ≈ HK$130,014/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,679
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$66,691
−HK$2,044/mo
Today · 4.125%
HK$68,735
baseline
▲ 0.50% · 4.625%
HK$72,917
+HK$4,182/mo
Deposit HK$6.08M · loan HK$14.18M · min. income ≈ HK$137,470/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$776,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,955
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$73,884
−HK$1,958/mo
Today · 4.125%
HK$75,842
baseline
▲ 0.50% · 4.625%
HK$79,840
+HK$3,998/mo
Deposit HK$6.08M · loan HK$14.18M · min. income ≈ HK$151,684/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$776,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,159
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$85,745
−HK$2,628/mo
Today · 4.125%
HK$88,373
baseline
▲ 0.50% · 4.625%
HK$93,751
+HK$5,378/mo
Deposit HK$2.03M · loan HK$18.23M · min. income ≈ HK$176,746/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,513
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$94,994
−HK$2,517/mo
Today · 4.125%
HK$97,511
baseline
▲ 0.50% · 4.625%
HK$102,651
+HK$5,140/mo
Deposit HK$2.03M · loan HK$18.23M · min. income ≈ HK$195,022/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,052 · Scale 2, in force from 26 Feb 2026)