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$46,267
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$47,706
−HK$1,462/mo
Today · 4.125%
HK$49,168
baseline
▲ 0.50% · 4.625%
HK$52,160
+HK$2,992/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$98,336/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$779,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,471
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$52,851
−HK$1,401/mo
Today · 4.125%
HK$54,252
baseline
▲ 0.50% · 4.625%
HK$57,112
+HK$2,860/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$108,504/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$779,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,520
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,247
−HK$1,754/mo
Today · 4.125%
HK$59,001
baseline
▲ 0.50% · 4.625%
HK$62,591
+HK$3,590/mo
Deposit HK$8.12M · loan HK$12.17M · min. income ≈ HK$118,002/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$779,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,765
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$63,422
−HK$1,680/mo
Today · 4.125%
HK$65,102
baseline
▲ 0.50% · 4.625%
HK$68,534
+HK$3,432/mo
Deposit HK$8.12M · loan HK$12.17M · min. income ≈ HK$130,204/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$779,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,773
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$66,788
−HK$2,047/mo
Today · 4.125%
HK$68,835
baseline
▲ 0.50% · 4.625%
HK$73,023
+HK$4,188/mo
Deposit HK$6.09M · loan HK$14.20M · min. income ≈ HK$137,670/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$779,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,059
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$73,992
−HK$1,961/mo
Today · 4.125%
HK$75,953
baseline
▲ 0.50% · 4.625%
HK$79,956
+HK$4,003/mo
Deposit HK$6.09M · loan HK$14.20M · min. income ≈ HK$151,906/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$779,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,280
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$85,870
−HK$2,632/mo
Today · 4.125%
HK$88,502
baseline
▲ 0.50% · 4.625%
HK$93,887
+HK$5,385/mo
Deposit HK$2.03M · loan HK$18.26M · min. income ≈ HK$177,004/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$779,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,648
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$95,133
−HK$2,520/mo
Today · 4.125%
HK$97,653
baseline
▲ 0.50% · 4.625%
HK$102,801
+HK$5,148/mo
Deposit HK$2.03M · loan HK$18.26M · min. income ≈ HK$195,306/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$779,005 · Scale 2, in force from 26 Feb 2026)