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$46,173
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$47,610
−HK$1,459/mo
Today · 4.125%
HK$49,069
baseline
▲ 0.50% · 4.625%
HK$52,055
+HK$2,986/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$98,138/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$774,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,367
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$52,745
−HK$1,398/mo
Today · 4.125%
HK$54,143
baseline
▲ 0.50% · 4.625%
HK$56,997
+HK$2,854/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$108,286/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$774,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,408
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,132
−HK$1,751/mo
Today · 4.125%
HK$58,883
baseline
▲ 0.50% · 4.625%
HK$62,466
+HK$3,583/mo
Deposit HK$8.10M · loan HK$12.15M · min. income ≈ HK$117,766/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$774,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,641
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,294
−HK$1,677/mo
Today · 4.125%
HK$64,971
baseline
▲ 0.50% · 4.625%
HK$68,396
+HK$3,425/mo
Deposit HK$8.10M · loan HK$12.15M · min. income ≈ HK$129,942/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$774,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,643
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$66,654
−HK$2,042/mo
Today · 4.125%
HK$68,696
baseline
▲ 0.50% · 4.625%
HK$72,876
+HK$4,180/mo
Deposit HK$6.07M · loan HK$14.17M · min. income ≈ HK$137,392/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$774,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,914
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$73,843
−HK$1,957/mo
Today · 4.125%
HK$75,800
baseline
▲ 0.50% · 4.625%
HK$79,795
+HK$3,995/mo
Deposit HK$6.07M · loan HK$14.17M · min. income ≈ HK$151,600/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$774,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,112
−HK$5,212/mo
▼ 0.25% · 3.875%
HK$85,697
−HK$2,627/mo
Today · 4.125%
HK$88,324
baseline
▲ 0.50% · 4.625%
HK$93,698
+HK$5,374/mo
Deposit HK$2.02M · loan HK$18.22M · min. income ≈ HK$176,648/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$774,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,461
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$94,941
−HK$2,516/mo
Today · 4.125%
HK$97,457
baseline
▲ 0.50% · 4.625%
HK$102,594
+HK$5,137/mo
Deposit HK$2.02M · loan HK$18.22M · min. income ≈ HK$194,914/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$774,922 · Scale 2, in force from 26 Feb 2026)