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$46,375
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,818
−HK$1,466/mo
Today · 4.125%
HK$49,284
baseline
▲ 0.50% · 4.625%
HK$52,282
+HK$2,998/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$98,568/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$783,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,592
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$52,976
−HK$1,404/mo
Today · 4.125%
HK$54,380
baseline
▲ 0.50% · 4.625%
HK$57,246
+HK$2,866/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$108,760/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$783,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,651
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$57,382
−HK$1,758/mo
Today · 4.125%
HK$59,140
baseline
▲ 0.50% · 4.625%
HK$62,739
+HK$3,599/mo
Deposit HK$8.14M · loan HK$12.20M · min. income ≈ HK$118,280/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$783,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,911
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$63,571
−HK$1,685/mo
Today · 4.125%
HK$65,256
baseline
▲ 0.50% · 4.625%
HK$68,695
+HK$3,439/mo
Deposit HK$8.14M · loan HK$12.20M · min. income ≈ HK$130,512/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$783,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,926
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$66,945
−HK$2,052/mo
Today · 4.125%
HK$68,997
baseline
▲ 0.50% · 4.625%
HK$73,195
+HK$4,198/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$137,994/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$783,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,229
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$74,166
−HK$1,965/mo
Today · 4.125%
HK$76,131
baseline
▲ 0.50% · 4.625%
HK$80,144
+HK$4,013/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$152,262/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$783,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,476
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$86,072
−HK$2,639/mo
Today · 4.125%
HK$88,711
baseline
▲ 0.50% · 4.625%
HK$94,108
+HK$5,397/mo
Deposit HK$2.03M · loan HK$18.30M · min. income ≈ HK$177,422/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$783,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,866
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$95,357
−HK$2,526/mo
Today · 4.125%
HK$97,883
baseline
▲ 0.50% · 4.625%
HK$103,043
+HK$5,160/mo
Deposit HK$2.03M · loan HK$18.30M · min. income ≈ HK$195,766/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$783,784 · Scale 2, in force from 26 Feb 2026)