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$46,181
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$47,618
−HK$1,459/mo
Today · 4.125%
HK$49,077
baseline
▲ 0.50% · 4.625%
HK$52,064
+HK$2,987/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$98,154/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$775,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,376
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$52,754
−HK$1,398/mo
Today · 4.125%
HK$54,152
baseline
▲ 0.50% · 4.625%
HK$57,006
+HK$2,854/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$108,304/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$775,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,418
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,141
−HK$1,752/mo
Today · 4.125%
HK$58,893
baseline
▲ 0.50% · 4.625%
HK$62,476
+HK$3,583/mo
Deposit HK$8.10M · loan HK$12.15M · min. income ≈ HK$117,786/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$775,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,652
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,305
−HK$1,677/mo
Today · 4.125%
HK$64,982
baseline
▲ 0.50% · 4.625%
HK$68,408
+HK$3,426/mo
Deposit HK$8.10M · loan HK$12.15M · min. income ≈ HK$129,964/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$775,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,654
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$66,665
−HK$2,043/mo
Today · 4.125%
HK$68,708
baseline
▲ 0.50% · 4.625%
HK$72,889
+HK$4,181/mo
Deposit HK$6.08M · loan HK$14.18M · min. income ≈ HK$137,416/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$775,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,927
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$73,856
−HK$1,957/mo
Today · 4.125%
HK$75,813
baseline
▲ 0.50% · 4.625%
HK$79,809
+HK$3,996/mo
Deposit HK$6.08M · loan HK$14.18M · min. income ≈ HK$151,626/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$775,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,126
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$85,712
−HK$2,627/mo
Today · 4.125%
HK$88,339
baseline
▲ 0.50% · 4.625%
HK$93,714
+HK$5,375/mo
Deposit HK$2.03M · loan HK$18.23M · min. income ≈ HK$176,678/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$775,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,477
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$94,958
−HK$2,516/mo
Today · 4.125%
HK$97,474
baseline
▲ 0.50% · 4.625%
HK$102,612
+HK$5,138/mo
Deposit HK$2.03M · loan HK$18.23M · min. income ≈ HK$194,948/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$775,271 · Scale 2, in force from 26 Feb 2026)