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$46,158
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$47,593
−HK$1,459/mo
Today · 4.125%
HK$49,052
baseline
▲ 0.50% · 4.625%
HK$52,037
+HK$2,985/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$98,104/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$774,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,350
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$52,727
−HK$1,397/mo
Today · 4.125%
HK$54,124
baseline
▲ 0.50% · 4.625%
HK$56,977
+HK$2,853/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$108,248/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$774,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,389
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$57,112
−HK$1,751/mo
Today · 4.125%
HK$58,863
baseline
▲ 0.50% · 4.625%
HK$62,444
+HK$3,581/mo
Deposit HK$8.10M · loan HK$12.15M · min. income ≈ HK$117,726/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$774,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,620
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$63,273
−HK$1,676/mo
Today · 4.125%
HK$64,949
baseline
▲ 0.50% · 4.625%
HK$68,373
+HK$3,424/mo
Deposit HK$8.10M · loan HK$12.15M · min. income ≈ HK$129,898/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$774,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,621
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$66,631
−HK$2,042/mo
Today · 4.125%
HK$68,673
baseline
▲ 0.50% · 4.625%
HK$72,852
+HK$4,179/mo
Deposit HK$6.07M · loan HK$14.17M · min. income ≈ HK$137,346/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$774,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,890
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$73,818
−HK$1,956/mo
Today · 4.125%
HK$75,774
baseline
▲ 0.50% · 4.625%
HK$79,768
+HK$3,994/mo
Deposit HK$6.07M · loan HK$14.17M · min. income ≈ HK$151,548/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$774,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,084
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$85,668
−HK$2,626/mo
Today · 4.125%
HK$88,294
baseline
▲ 0.50% · 4.625%
HK$93,666
+HK$5,372/mo
Deposit HK$2.02M · loan HK$18.22M · min. income ≈ HK$176,588/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$774,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,430
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$94,909
−HK$2,515/mo
Today · 4.125%
HK$97,424
baseline
▲ 0.50% · 4.625%
HK$102,559
+HK$5,135/mo
Deposit HK$2.02M · loan HK$18.22M · min. income ≈ HK$194,848/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$774,233 · Scale 2, in force from 26 Feb 2026)