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$46,219
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$47,656
−HK$1,461/mo
Today · 4.125%
HK$49,117
baseline
▲ 0.50% · 4.625%
HK$52,106
+HK$2,989/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$98,234/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,418
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,797
−HK$1,399/mo
Today · 4.125%
HK$54,196
baseline
▲ 0.50% · 4.625%
HK$57,052
+HK$2,856/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$108,392/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,462
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$57,187
−HK$1,753/mo
Today · 4.125%
HK$58,940
baseline
▲ 0.50% · 4.625%
HK$62,527
+HK$3,587/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$117,880/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,701
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$63,356
−HK$1,679/mo
Today · 4.125%
HK$65,035
baseline
▲ 0.50% · 4.625%
HK$68,463
+HK$3,428/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$130,070/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,706
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$66,719
−HK$2,045/mo
Today · 4.125%
HK$68,764
baseline
▲ 0.50% · 4.625%
HK$72,948
+HK$4,184/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$137,528/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$776,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,985
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$73,915
−HK$1,959/mo
Today · 4.125%
HK$75,874
baseline
▲ 0.50% · 4.625%
HK$79,873
+HK$3,999/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$151,748/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$776,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,193
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$85,781
−HK$2,629/mo
Today · 4.125%
HK$88,410
baseline
▲ 0.50% · 4.625%
HK$93,790
+HK$5,380/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$176,820/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,552
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$95,034
−HK$2,518/mo
Today · 4.125%
HK$97,552
baseline
▲ 0.50% · 4.625%
HK$102,694
+HK$5,142/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$195,104/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,903 · Scale 2, in force from 26 Feb 2026)