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$46,160
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$47,596
−HK$1,458/mo
Today · 4.125%
HK$49,054
baseline
▲ 0.50% · 4.625%
HK$52,039
+HK$2,985/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$98,108/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$774,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,352
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,729
−HK$1,398/mo
Today · 4.125%
HK$54,127
baseline
▲ 0.50% · 4.625%
HK$56,980
+HK$2,853/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$108,254/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$774,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,392
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,115
−HK$1,750/mo
Today · 4.125%
HK$58,865
baseline
▲ 0.50% · 4.625%
HK$62,447
+HK$3,582/mo
Deposit HK$8.10M · loan HK$12.15M · min. income ≈ HK$117,730/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$774,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,623
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$63,275
−HK$1,677/mo
Today · 4.125%
HK$64,952
baseline
▲ 0.50% · 4.625%
HK$68,376
+HK$3,424/mo
Deposit HK$8.10M · loan HK$12.15M · min. income ≈ HK$129,904/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$774,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,624
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$66,634
−HK$2,042/mo
Today · 4.125%
HK$68,676
baseline
▲ 0.50% · 4.625%
HK$72,855
+HK$4,179/mo
Deposit HK$6.07M · loan HK$14.17M · min. income ≈ HK$137,352/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$774,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,893
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$73,821
−HK$1,956/mo
Today · 4.125%
HK$75,777
baseline
▲ 0.50% · 4.625%
HK$79,772
+HK$3,995/mo
Deposit HK$6.07M · loan HK$14.17M · min. income ≈ HK$151,554/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$774,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,087
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$85,672
−HK$2,626/mo
Today · 4.125%
HK$88,298
baseline
▲ 0.50% · 4.625%
HK$93,670
+HK$5,372/mo
Deposit HK$2.02M · loan HK$18.22M · min. income ≈ HK$176,596/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$774,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,434
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$94,913
−HK$2,515/mo
Today · 4.125%
HK$97,428
baseline
▲ 0.50% · 4.625%
HK$102,563
+HK$5,135/mo
Deposit HK$2.02M · loan HK$18.22M · min. income ≈ HK$194,856/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$774,320 · Scale 2, in force from 26 Feb 2026)