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$46,164
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$47,600
−HK$1,459/mo
Today · 4.125%
HK$49,059
baseline
▲ 0.50% · 4.625%
HK$52,044
+HK$2,985/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$98,118/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$774,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,357
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,735
−HK$1,397/mo
Today · 4.125%
HK$54,132
baseline
▲ 0.50% · 4.625%
HK$56,985
+HK$2,853/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$108,264/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$774,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,397
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$57,120
−HK$1,751/mo
Today · 4.125%
HK$58,871
baseline
▲ 0.50% · 4.625%
HK$62,453
+HK$3,582/mo
Deposit HK$8.10M · loan HK$12.15M · min. income ≈ HK$117,742/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$774,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,629
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$63,282
−HK$1,676/mo
Today · 4.125%
HK$64,958
baseline
▲ 0.50% · 4.625%
HK$68,382
+HK$3,424/mo
Deposit HK$8.10M · loan HK$12.15M · min. income ≈ HK$129,916/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$774,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,630
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$66,640
−HK$2,043/mo
Today · 4.125%
HK$68,683
baseline
▲ 0.50% · 4.625%
HK$72,862
+HK$4,179/mo
Deposit HK$6.07M · loan HK$14.17M · min. income ≈ HK$137,366/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$774,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,900
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$73,828
−HK$1,957/mo
Today · 4.125%
HK$75,785
baseline
▲ 0.50% · 4.625%
HK$79,779
+HK$3,994/mo
Deposit HK$6.07M · loan HK$14.17M · min. income ≈ HK$151,570/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$774,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,096
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$85,680
−HK$2,626/mo
Today · 4.125%
HK$88,306
baseline
▲ 0.50% · 4.625%
HK$93,680
+HK$5,374/mo
Deposit HK$2.02M · loan HK$18.22M · min. income ≈ HK$176,612/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$774,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,443
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$94,922
−HK$2,515/mo
Today · 4.125%
HK$97,437
baseline
▲ 0.50% · 4.625%
HK$102,573
+HK$5,136/mo
Deposit HK$2.02M · loan HK$18.22M · min. income ≈ HK$194,874/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$774,519 · Scale 2, in force from 26 Feb 2026)