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$46,118
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$47,553
−HK$1,457/mo
Today · 4.125%
HK$49,010
baseline
▲ 0.50% · 4.625%
HK$51,992
+HK$2,982/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$98,020/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$772,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,306
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$52,682
−HK$1,396/mo
Today · 4.125%
HK$54,078
baseline
▲ 0.50% · 4.625%
HK$56,928
+HK$2,850/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$108,156/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$772,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,342
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$57,063
−HK$1,749/mo
Today · 4.125%
HK$58,812
baseline
▲ 0.50% · 4.625%
HK$62,391
+HK$3,579/mo
Deposit HK$8.09M · loan HK$12.13M · min. income ≈ HK$117,624/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$772,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,567
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,218
−HK$1,675/mo
Today · 4.125%
HK$64,893
baseline
▲ 0.50% · 4.625%
HK$68,314
+HK$3,421/mo
Deposit HK$8.09M · loan HK$12.13M · min. income ≈ HK$129,786/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$772,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,565
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$66,574
−HK$2,040/mo
Today · 4.125%
HK$68,614
baseline
▲ 0.50% · 4.625%
HK$72,789
+HK$4,175/mo
Deposit HK$6.07M · loan HK$14.16M · min. income ≈ HK$137,228/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$772,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,828
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$73,755
−HK$1,954/mo
Today · 4.125%
HK$75,709
baseline
▲ 0.50% · 4.625%
HK$79,700
+HK$3,991/mo
Deposit HK$6.07M · loan HK$14.16M · min. income ≈ HK$151,418/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$772,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,012
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$85,595
−HK$2,623/mo
Today · 4.125%
HK$88,218
baseline
▲ 0.50% · 4.625%
HK$93,586
+HK$5,368/mo
Deposit HK$2.02M · loan HK$18.20M · min. income ≈ HK$176,436/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$772,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,350
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$94,827
−HK$2,513/mo
Today · 4.125%
HK$97,340
baseline
▲ 0.50% · 4.625%
HK$102,471
+HK$5,131/mo
Deposit HK$2.02M · loan HK$18.20M · min. income ≈ HK$194,680/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$772,492 · Scale 2, in force from 26 Feb 2026)