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$46,352
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,794
−HK$1,464/mo
Today · 4.125%
HK$49,258
baseline
▲ 0.50% · 4.625%
HK$52,256
+HK$2,998/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$98,516/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$782,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,566
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$52,949
−HK$1,403/mo
Today · 4.125%
HK$54,352
baseline
▲ 0.50% · 4.625%
HK$57,217
+HK$2,865/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$108,704/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$782,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,622
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$57,352
−HK$1,758/mo
Today · 4.125%
HK$59,110
baseline
▲ 0.50% · 4.625%
HK$62,707
+HK$3,597/mo
Deposit HK$8.13M · loan HK$12.20M · min. income ≈ HK$118,220/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$782,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,879
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$63,539
−HK$1,683/mo
Today · 4.125%
HK$65,222
baseline
▲ 0.50% · 4.625%
HK$68,660
+HK$3,438/mo
Deposit HK$8.13M · loan HK$12.20M · min. income ≈ HK$130,444/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$782,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,892
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$66,911
−HK$2,051/mo
Today · 4.125%
HK$68,962
baseline
▲ 0.50% · 4.625%
HK$73,158
+HK$4,196/mo
Deposit HK$6.10M · loan HK$14.23M · min. income ≈ HK$137,924/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$782,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,192
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$74,128
−HK$1,964/mo
Today · 4.125%
HK$76,092
baseline
▲ 0.50% · 4.625%
HK$80,103
+HK$4,011/mo
Deposit HK$6.10M · loan HK$14.23M · min. income ≈ HK$152,184/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$782,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,433
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$86,028
−HK$2,637/mo
Today · 4.125%
HK$88,665
baseline
▲ 0.50% · 4.625%
HK$94,060
+HK$5,395/mo
Deposit HK$2.03M · loan HK$18.29M · min. income ≈ HK$177,330/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$782,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,818
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$95,308
−HK$2,525/mo
Today · 4.125%
HK$97,833
baseline
▲ 0.50% · 4.625%
HK$102,990
+HK$5,157/mo
Deposit HK$2.03M · loan HK$18.29M · min. income ≈ HK$195,666/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$782,742 · Scale 2, in force from 26 Feb 2026)