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$46,519
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$47,966
−HK$1,470/mo
Today · 4.125%
HK$49,436
baseline
▲ 0.50% · 4.625%
HK$52,445
+HK$3,009/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$98,872/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$790,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,752
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,140
−HK$1,408/mo
Today · 4.125%
HK$54,548
baseline
▲ 0.50% · 4.625%
HK$57,424
+HK$2,876/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$109,096/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$790,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,823
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$57,560
−HK$1,764/mo
Today · 4.125%
HK$59,324
baseline
▲ 0.50% · 4.625%
HK$62,933
+HK$3,609/mo
Deposit HK$8.16M · loan HK$12.24M · min. income ≈ HK$118,648/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$790,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,103
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$63,768
−HK$1,690/mo
Today · 4.125%
HK$65,458
baseline
▲ 0.50% · 4.625%
HK$68,908
+HK$3,450/mo
Deposit HK$8.16M · loan HK$12.24M · min. income ≈ HK$130,916/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$790,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,127
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,153
−HK$2,058/mo
Today · 4.125%
HK$69,211
baseline
▲ 0.50% · 4.625%
HK$73,422
+HK$4,211/mo
Deposit HK$6.12M · loan HK$14.28M · min. income ≈ HK$138,422/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$790,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,453
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$74,396
−HK$1,972/mo
Today · 4.125%
HK$76,368
baseline
▲ 0.50% · 4.625%
HK$80,393
+HK$4,025/mo
Deposit HK$6.12M · loan HK$14.28M · min. income ≈ HK$152,736/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$790,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,735
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$86,339
−HK$2,647/mo
Today · 4.125%
HK$88,986
baseline
▲ 0.50% · 4.625%
HK$94,400
+HK$5,414/mo
Deposit HK$2.04M · loan HK$18.36M · min. income ≈ HK$177,972/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$790,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,154
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$95,652
−HK$2,535/mo
Today · 4.125%
HK$98,187
baseline
▲ 0.50% · 4.625%
HK$103,362
+HK$5,175/mo
Deposit HK$2.04M · loan HK$18.36M · min. income ≈ HK$196,374/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$790,089 · Scale 2, in force from 26 Feb 2026)