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$46,220
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,658
−HK$1,461/mo
Today · 4.125%
HK$49,119
baseline
▲ 0.50% · 4.625%
HK$52,108
+HK$2,989/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$98,238/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,420
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,799
−HK$1,399/mo
Today · 4.125%
HK$54,198
baseline
▲ 0.50% · 4.625%
HK$57,055
+HK$2,857/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$108,396/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,464
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,190
−HK$1,753/mo
Today · 4.125%
HK$58,943
baseline
▲ 0.50% · 4.625%
HK$62,529
+HK$3,586/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$117,886/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,704
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,358
−HK$1,679/mo
Today · 4.125%
HK$65,037
baseline
▲ 0.50% · 4.625%
HK$68,465
+HK$3,428/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$130,074/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,708
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$66,721
−HK$2,045/mo
Today · 4.125%
HK$68,766
baseline
▲ 0.50% · 4.625%
HK$72,951
+HK$4,185/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$137,532/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$776,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,988
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$73,918
−HK$1,959/mo
Today · 4.125%
HK$75,877
baseline
▲ 0.50% · 4.625%
HK$79,876
+HK$3,999/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$151,754/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$776,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,197
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$85,785
−HK$2,629/mo
Today · 4.125%
HK$88,414
baseline
▲ 0.50% · 4.625%
HK$93,794
+HK$5,380/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$176,828/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,555
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$95,038
−HK$2,518/mo
Today · 4.125%
HK$97,556
baseline
▲ 0.50% · 4.625%
HK$102,698
+HK$5,142/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$195,112/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,980 · Scale 2, in force from 26 Feb 2026)