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$46,205
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$47,643
−HK$1,460/mo
Today · 4.125%
HK$49,103
baseline
▲ 0.50% · 4.625%
HK$52,091
+HK$2,988/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$98,206/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,403
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$52,782
−HK$1,398/mo
Today · 4.125%
HK$54,180
baseline
▲ 0.50% · 4.625%
HK$57,036
+HK$2,856/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$108,360/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,447
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,171
−HK$1,753/mo
Today · 4.125%
HK$58,924
baseline
▲ 0.50% · 4.625%
HK$62,509
+HK$3,585/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$117,848/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,684
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,338
−HK$1,678/mo
Today · 4.125%
HK$65,016
baseline
▲ 0.50% · 4.625%
HK$68,443
+HK$3,427/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$130,032/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,688
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$66,700
−HK$2,044/mo
Today · 4.125%
HK$68,744
baseline
▲ 0.50% · 4.625%
HK$72,927
+HK$4,183/mo
Deposit HK$6.08M · loan HK$14.18M · min. income ≈ HK$137,488/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$776,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,964
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$73,894
−HK$1,958/mo
Today · 4.125%
HK$75,852
baseline
▲ 0.50% · 4.625%
HK$79,851
+HK$3,999/mo
Deposit HK$6.08M · loan HK$14.18M · min. income ≈ HK$151,704/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$776,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,170
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$85,757
−HK$2,628/mo
Today · 4.125%
HK$88,385
baseline
▲ 0.50% · 4.625%
HK$93,763
+HK$5,378/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$176,770/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,526
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$95,007
−HK$2,518/mo
Today · 4.125%
HK$97,525
baseline
▲ 0.50% · 4.625%
HK$102,665
+HK$5,140/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$195,050/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,328 · Scale 2, in force from 26 Feb 2026)