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$46,201
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$47,638
−HK$1,460/mo
Today · 4.125%
HK$49,098
baseline
▲ 0.50% · 4.625%
HK$52,086
+HK$2,988/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$98,196/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,398
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$52,777
−HK$1,398/mo
Today · 4.125%
HK$54,175
baseline
▲ 0.50% · 4.625%
HK$57,031
+HK$2,856/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$108,350/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,441
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,166
−HK$1,752/mo
Today · 4.125%
HK$58,918
baseline
▲ 0.50% · 4.625%
HK$62,503
+HK$3,585/mo
Deposit HK$8.10M · loan HK$12.16M · min. income ≈ HK$117,836/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,678
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,332
−HK$1,678/mo
Today · 4.125%
HK$65,010
baseline
▲ 0.50% · 4.625%
HK$68,437
+HK$3,427/mo
Deposit HK$8.10M · loan HK$12.16M · min. income ≈ HK$130,020/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,681
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$66,693
−HK$2,045/mo
Today · 4.125%
HK$68,738
baseline
▲ 0.50% · 4.625%
HK$72,920
+HK$4,182/mo
Deposit HK$6.08M · loan HK$14.18M · min. income ≈ HK$137,476/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$776,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,957
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$73,887
−HK$1,958/mo
Today · 4.125%
HK$75,845
baseline
▲ 0.50% · 4.625%
HK$79,843
+HK$3,998/mo
Deposit HK$6.08M · loan HK$14.18M · min. income ≈ HK$151,690/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$776,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,162
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$85,749
−HK$2,628/mo
Today · 4.125%
HK$88,377
baseline
▲ 0.50% · 4.625%
HK$93,754
+HK$5,377/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$176,754/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,517
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$94,998
−HK$2,517/mo
Today · 4.125%
HK$97,515
baseline
▲ 0.50% · 4.625%
HK$102,655
+HK$5,140/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$195,030/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,134 · Scale 2, in force from 26 Feb 2026)