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$46,354
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,796
−HK$1,464/mo
Today · 4.125%
HK$49,260
baseline
▲ 0.50% · 4.625%
HK$52,258
+HK$2,998/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$98,520/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$782,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,568
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$52,951
−HK$1,403/mo
Today · 4.125%
HK$54,354
baseline
▲ 0.50% · 4.625%
HK$57,219
+HK$2,865/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$108,708/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$782,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,624
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$57,355
−HK$1,758/mo
Today · 4.125%
HK$59,113
baseline
▲ 0.50% · 4.625%
HK$62,709
+HK$3,596/mo
Deposit HK$8.13M · loan HK$12.20M · min. income ≈ HK$118,226/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$782,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,882
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$63,541
−HK$1,684/mo
Today · 4.125%
HK$65,225
baseline
▲ 0.50% · 4.625%
HK$68,663
+HK$3,438/mo
Deposit HK$8.13M · loan HK$12.20M · min. income ≈ HK$130,450/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$782,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,895
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$66,914
−HK$2,051/mo
Today · 4.125%
HK$68,965
baseline
▲ 0.50% · 4.625%
HK$73,161
+HK$4,196/mo
Deposit HK$6.10M · loan HK$14.23M · min. income ≈ HK$137,930/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$782,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,195
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$74,131
−HK$1,965/mo
Today · 4.125%
HK$76,096
baseline
▲ 0.50% · 4.625%
HK$80,107
+HK$4,011/mo
Deposit HK$6.10M · loan HK$14.23M · min. income ≈ HK$152,192/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$782,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,437
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$86,032
−HK$2,637/mo
Today · 4.125%
HK$88,669
baseline
▲ 0.50% · 4.625%
HK$94,064
+HK$5,395/mo
Deposit HK$2.03M · loan HK$18.30M · min. income ≈ HK$177,338/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$782,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,822
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$95,312
−HK$2,525/mo
Today · 4.125%
HK$97,837
baseline
▲ 0.50% · 4.625%
HK$102,994
+HK$5,157/mo
Deposit HK$2.03M · loan HK$18.30M · min. income ≈ HK$195,674/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$782,827 · Scale 2, in force from 26 Feb 2026)