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$46,215
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$47,653
−HK$1,460/mo
Today · 4.125%
HK$49,113
baseline
▲ 0.50% · 4.625%
HK$52,101
+HK$2,988/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$98,226/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,414
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$52,793
−HK$1,398/mo
Today · 4.125%
HK$54,191
baseline
▲ 0.50% · 4.625%
HK$57,048
+HK$2,857/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$108,382/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,458
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$57,183
−HK$1,753/mo
Today · 4.125%
HK$58,936
baseline
▲ 0.50% · 4.625%
HK$62,522
+HK$3,586/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$117,872/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,696
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$63,351
−HK$1,679/mo
Today · 4.125%
HK$65,030
baseline
▲ 0.50% · 4.625%
HK$68,458
+HK$3,428/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$130,060/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,701
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$66,714
−HK$2,044/mo
Today · 4.125%
HK$68,758
baseline
▲ 0.50% · 4.625%
HK$72,942
+HK$4,184/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$137,516/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$776,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,979
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$73,910
−HK$1,958/mo
Today · 4.125%
HK$75,868
baseline
▲ 0.50% · 4.625%
HK$79,867
+HK$3,999/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$151,736/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$776,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,187
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$85,775
−HK$2,629/mo
Today · 4.125%
HK$88,404
baseline
▲ 0.50% · 4.625%
HK$93,783
+HK$5,379/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$176,808/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,545
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$95,027
−HK$2,518/mo
Today · 4.125%
HK$97,545
baseline
▲ 0.50% · 4.625%
HK$102,686
+HK$5,141/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$195,090/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,746 · Scale 2, in force from 26 Feb 2026)