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$46,112
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$47,547
−HK$1,457/mo
Today · 4.125%
HK$49,004
baseline
▲ 0.50% · 4.625%
HK$51,986
+HK$2,982/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$98,008/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$772,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,299
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$52,675
−HK$1,396/mo
Today · 4.125%
HK$54,071
baseline
▲ 0.50% · 4.625%
HK$56,921
+HK$2,850/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$108,142/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$772,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,335
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$57,056
−HK$1,749/mo
Today · 4.125%
HK$58,805
baseline
▲ 0.50% · 4.625%
HK$62,383
+HK$3,578/mo
Deposit HK$8.09M · loan HK$12.13M · min. income ≈ HK$117,610/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$772,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,559
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,210
−HK$1,675/mo
Today · 4.125%
HK$64,885
baseline
▲ 0.50% · 4.625%
HK$68,305
+HK$3,420/mo
Deposit HK$8.09M · loan HK$12.13M · min. income ≈ HK$129,770/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$772,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,557
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$66,565
−HK$2,040/mo
Today · 4.125%
HK$68,605
baseline
▲ 0.50% · 4.625%
HK$72,780
+HK$4,175/mo
Deposit HK$6.07M · loan HK$14.16M · min. income ≈ HK$137,210/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$772,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,819
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$73,745
−HK$1,954/mo
Today · 4.125%
HK$75,699
baseline
▲ 0.50% · 4.625%
HK$79,689
+HK$3,990/mo
Deposit HK$6.07M · loan HK$14.16M · min. income ≈ HK$151,398/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$772,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,002
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$85,584
−HK$2,623/mo
Today · 4.125%
HK$88,207
baseline
▲ 0.50% · 4.625%
HK$93,574
+HK$5,367/mo
Deposit HK$2.02M · loan HK$18.20M · min. income ≈ HK$176,414/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$772,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,339
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$94,815
−HK$2,513/mo
Today · 4.125%
HK$97,328
baseline
▲ 0.50% · 4.625%
HK$102,458
+HK$5,130/mo
Deposit HK$2.02M · loan HK$18.20M · min. income ≈ HK$194,656/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$772,237 · Scale 2, in force from 26 Feb 2026)