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$46,237
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,675
−HK$1,461/mo
Today · 4.125%
HK$49,136
baseline
▲ 0.50% · 4.625%
HK$52,126
+HK$2,990/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$98,272/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$777,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,438
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,817
−HK$1,400/mo
Today · 4.125%
HK$54,217
baseline
▲ 0.50% · 4.625%
HK$57,075
+HK$2,858/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$108,434/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$777,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,484
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,210
−HK$1,753/mo
Today · 4.125%
HK$58,963
baseline
▲ 0.50% · 4.625%
HK$62,551
+HK$3,588/mo
Deposit HK$8.11M · loan HK$12.17M · min. income ≈ HK$117,926/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$777,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,725
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,381
−HK$1,679/mo
Today · 4.125%
HK$65,060
baseline
▲ 0.50% · 4.625%
HK$68,490
+HK$3,430/mo
Deposit HK$8.11M · loan HK$12.17M · min. income ≈ HK$130,120/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$777,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,731
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$66,745
−HK$2,046/mo
Today · 4.125%
HK$68,791
baseline
▲ 0.50% · 4.625%
HK$72,976
+HK$4,185/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$137,582/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$777,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,013
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$73,944
−HK$1,960/mo
Today · 4.125%
HK$75,904
baseline
▲ 0.50% · 4.625%
HK$79,905
+HK$4,001/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$151,808/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$777,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,226
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$85,815
−HK$2,630/mo
Today · 4.125%
HK$88,445
baseline
▲ 0.50% · 4.625%
HK$93,827
+HK$5,382/mo
Deposit HK$2.03M · loan HK$18.25M · min. income ≈ HK$176,890/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$777,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,588
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$95,071
−HK$2,519/mo
Today · 4.125%
HK$97,590
baseline
▲ 0.50% · 4.625%
HK$102,734
+HK$5,144/mo
Deposit HK$2.03M · loan HK$18.25M · min. income ≈ HK$195,180/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$777,696 · Scale 2, in force from 26 Feb 2026)