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$46,196
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$47,633
−HK$1,459/mo
Today · 4.125%
HK$49,092
baseline
▲ 0.50% · 4.625%
HK$52,080
+HK$2,988/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$98,184/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$775,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,392
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$52,770
−HK$1,399/mo
Today · 4.125%
HK$54,169
baseline
▲ 0.50% · 4.625%
HK$57,024
+HK$2,855/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$108,338/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$775,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,435
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$57,159
−HK$1,752/mo
Today · 4.125%
HK$58,911
baseline
▲ 0.50% · 4.625%
HK$62,496
+HK$3,585/mo
Deposit HK$8.10M · loan HK$12.16M · min. income ≈ HK$117,822/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$775,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,671
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$63,325
−HK$1,677/mo
Today · 4.125%
HK$65,002
baseline
▲ 0.50% · 4.625%
HK$68,429
+HK$3,427/mo
Deposit HK$8.10M · loan HK$12.16M · min. income ≈ HK$130,004/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$775,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,674
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$66,686
−HK$2,043/mo
Today · 4.125%
HK$68,729
baseline
▲ 0.50% · 4.625%
HK$72,911
+HK$4,182/mo
Deposit HK$6.08M · loan HK$14.18M · min. income ≈ HK$137,458/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$775,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,949
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$73,879
−HK$1,957/mo
Today · 4.125%
HK$75,836
baseline
▲ 0.50% · 4.625%
HK$79,834
+HK$3,998/mo
Deposit HK$6.08M · loan HK$14.18M · min. income ≈ HK$151,672/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$775,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,152
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$85,739
−HK$2,627/mo
Today · 4.125%
HK$88,366
baseline
▲ 0.50% · 4.625%
HK$93,743
+HK$5,377/mo
Deposit HK$2.03M · loan HK$18.23M · min. income ≈ HK$176,732/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$775,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,506
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$94,987
−HK$2,517/mo
Today · 4.125%
HK$97,504
baseline
▲ 0.50% · 4.625%
HK$102,643
+HK$5,139/mo
Deposit HK$2.03M · loan HK$18.23M · min. income ≈ HK$195,008/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$775,895 · Scale 2, in force from 26 Feb 2026)