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$46,211
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$47,649
−HK$1,460/mo
Today · 4.125%
HK$49,109
baseline
▲ 0.50% · 4.625%
HK$52,097
+HK$2,988/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$98,218/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,409
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,788
−HK$1,399/mo
Today · 4.125%
HK$54,187
baseline
▲ 0.50% · 4.625%
HK$57,043
+HK$2,856/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$108,374/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,453
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$57,178
−HK$1,753/mo
Today · 4.125%
HK$58,931
baseline
▲ 0.50% · 4.625%
HK$62,517
+HK$3,586/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$117,862/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,691
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,346
−HK$1,678/mo
Today · 4.125%
HK$65,024
baseline
▲ 0.50% · 4.625%
HK$68,452
+HK$3,428/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$130,048/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,696
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$66,708
−HK$2,045/mo
Today · 4.125%
HK$68,753
baseline
▲ 0.50% · 4.625%
HK$72,936
+HK$4,183/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$137,506/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$776,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,973
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$73,903
−HK$1,959/mo
Today · 4.125%
HK$75,862
baseline
▲ 0.50% · 4.625%
HK$79,860
+HK$3,998/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$151,724/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$776,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,180
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$85,767
−HK$2,629/mo
Today · 4.125%
HK$88,396
baseline
▲ 0.50% · 4.625%
HK$93,775
+HK$5,379/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$176,792/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,537
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$95,019
−HK$2,517/mo
Today · 4.125%
HK$97,536
baseline
▲ 0.50% · 4.625%
HK$102,678
+HK$5,142/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$195,072/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,575 · Scale 2, in force from 26 Feb 2026)