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$46,368
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$47,811
−HK$1,465/mo
Today · 4.125%
HK$49,276
baseline
▲ 0.50% · 4.625%
HK$52,274
+HK$2,998/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$98,552/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$783,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,584
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$52,968
−HK$1,403/mo
Today · 4.125%
HK$54,371
baseline
▲ 0.50% · 4.625%
HK$57,237
+HK$2,866/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$108,742/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$783,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,642
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$57,373
−HK$1,758/mo
Today · 4.125%
HK$59,131
baseline
▲ 0.50% · 4.625%
HK$62,729
+HK$3,598/mo
Deposit HK$8.13M · loan HK$12.20M · min. income ≈ HK$118,262/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$783,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,901
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$63,561
−HK$1,684/mo
Today · 4.125%
HK$65,245
baseline
▲ 0.50% · 4.625%
HK$68,685
+HK$3,440/mo
Deposit HK$8.13M · loan HK$12.20M · min. income ≈ HK$130,490/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$783,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,916
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$66,935
−HK$2,051/mo
Today · 4.125%
HK$68,986
baseline
▲ 0.50% · 4.625%
HK$73,184
+HK$4,198/mo
Deposit HK$6.10M · loan HK$14.23M · min. income ≈ HK$137,972/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$783,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,218
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$74,155
−HK$1,965/mo
Today · 4.125%
HK$76,120
baseline
▲ 0.50% · 4.625%
HK$80,132
+HK$4,012/mo
Deposit HK$6.10M · loan HK$14.23M · min. income ≈ HK$152,240/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$783,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,463
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$86,059
−HK$2,638/mo
Today · 4.125%
HK$88,697
baseline
▲ 0.50% · 4.625%
HK$94,094
+HK$5,397/mo
Deposit HK$2.03M · loan HK$18.30M · min. income ≈ HK$177,394/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$783,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,852
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$95,342
−HK$2,526/mo
Today · 4.125%
HK$97,868
baseline
▲ 0.50% · 4.625%
HK$103,027
+HK$5,159/mo
Deposit HK$2.03M · loan HK$18.30M · min. income ≈ HK$195,736/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$783,466 · Scale 2, in force from 26 Feb 2026)