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$46,156
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$47,591
−HK$1,459/mo
Today · 4.125%
HK$49,050
baseline
▲ 0.50% · 4.625%
HK$52,035
+HK$2,985/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$98,100/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$774,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,348
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$52,725
−HK$1,397/mo
Today · 4.125%
HK$54,122
baseline
▲ 0.50% · 4.625%
HK$56,975
+HK$2,853/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$108,244/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$774,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,387
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,110
−HK$1,750/mo
Today · 4.125%
HK$58,860
baseline
▲ 0.50% · 4.625%
HK$62,442
+HK$3,582/mo
Deposit HK$8.10M · loan HK$12.14M · min. income ≈ HK$117,720/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$774,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,617
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$63,270
−HK$1,676/mo
Today · 4.125%
HK$64,946
baseline
▲ 0.50% · 4.625%
HK$68,370
+HK$3,424/mo
Deposit HK$8.10M · loan HK$12.14M · min. income ≈ HK$129,892/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$774,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,618
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$66,628
−HK$2,042/mo
Today · 4.125%
HK$68,670
baseline
▲ 0.50% · 4.625%
HK$72,848
+HK$4,178/mo
Deposit HK$6.07M · loan HK$14.17M · min. income ≈ HK$137,340/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$774,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,887
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$73,815
−HK$1,956/mo
Today · 4.125%
HK$75,771
baseline
▲ 0.50% · 4.625%
HK$79,765
+HK$3,994/mo
Deposit HK$6.07M · loan HK$14.17M · min. income ≈ HK$151,542/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$774,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,080
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$85,665
−HK$2,625/mo
Today · 4.125%
HK$88,290
baseline
▲ 0.50% · 4.625%
HK$93,662
+HK$5,372/mo
Deposit HK$2.02M · loan HK$18.22M · min. income ≈ HK$176,580/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$774,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,426
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$94,905
−HK$2,514/mo
Today · 4.125%
HK$97,419
baseline
▲ 0.50% · 4.625%
HK$102,555
+HK$5,136/mo
Deposit HK$2.02M · loan HK$18.22M · min. income ≈ HK$194,838/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$774,145 · Scale 2, in force from 26 Feb 2026)