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$46,197
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$47,634
−HK$1,460/mo
Today · 4.125%
HK$49,094
baseline
▲ 0.50% · 4.625%
HK$52,082
+HK$2,988/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$98,188/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$775,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,394
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$52,772
−HK$1,399/mo
Today · 4.125%
HK$54,171
baseline
▲ 0.50% · 4.625%
HK$57,026
+HK$2,855/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$108,342/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$775,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,437
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$57,161
−HK$1,752/mo
Today · 4.125%
HK$58,913
baseline
▲ 0.50% · 4.625%
HK$62,498
+HK$3,585/mo
Deposit HK$8.10M · loan HK$12.16M · min. income ≈ HK$117,826/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$775,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,673
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,327
−HK$1,678/mo
Today · 4.125%
HK$65,005
baseline
▲ 0.50% · 4.625%
HK$68,431
+HK$3,426/mo
Deposit HK$8.10M · loan HK$12.16M · min. income ≈ HK$130,010/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$775,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,676
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$66,688
−HK$2,044/mo
Today · 4.125%
HK$68,732
baseline
▲ 0.50% · 4.625%
HK$72,914
+HK$4,182/mo
Deposit HK$6.08M · loan HK$14.18M · min. income ≈ HK$137,464/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$775,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,952
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$73,881
−HK$1,958/mo
Today · 4.125%
HK$75,839
baseline
▲ 0.50% · 4.625%
HK$79,837
+HK$3,998/mo
Deposit HK$6.08M · loan HK$14.18M · min. income ≈ HK$151,678/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$775,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,155
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$85,742
−HK$2,628/mo
Today · 4.125%
HK$88,370
baseline
▲ 0.50% · 4.625%
HK$93,747
+HK$5,377/mo
Deposit HK$2.03M · loan HK$18.23M · min. income ≈ HK$176,740/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$775,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,509
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$94,990
−HK$2,517/mo
Today · 4.125%
HK$97,507
baseline
▲ 0.50% · 4.625%
HK$102,647
+HK$5,140/mo
Deposit HK$2.03M · loan HK$18.23M · min. income ≈ HK$195,014/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$775,969 · Scale 2, in force from 26 Feb 2026)