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$46,369
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$47,811
−HK$1,465/mo
Today · 4.125%
HK$49,276
baseline
▲ 0.50% · 4.625%
HK$52,275
+HK$2,999/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$783,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,585
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$52,968
−HK$1,404/mo
Today · 4.125%
HK$54,372
baseline
▲ 0.50% · 4.625%
HK$57,238
+HK$2,866/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$108,744/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$783,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,642
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$57,373
−HK$1,759/mo
Today · 4.125%
HK$59,132
baseline
▲ 0.50% · 4.625%
HK$62,730
+HK$3,598/mo
Deposit HK$8.13M · loan HK$12.20M · min. income ≈ HK$118,264/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$783,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,902
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$63,562
−HK$1,684/mo
Today · 4.125%
HK$65,246
baseline
▲ 0.50% · 4.625%
HK$68,685
+HK$3,439/mo
Deposit HK$8.13M · loan HK$12.20M · min. income ≈ HK$130,492/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$783,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,916
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$66,936
−HK$2,051/mo
Today · 4.125%
HK$68,987
baseline
▲ 0.50% · 4.625%
HK$73,185
+HK$4,198/mo
Deposit HK$6.10M · loan HK$14.23M · min. income ≈ HK$137,974/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$783,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,219
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$74,156
−HK$1,964/mo
Today · 4.125%
HK$76,120
baseline
▲ 0.50% · 4.625%
HK$80,133
+HK$4,013/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$783,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,464
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$86,060
−HK$2,638/mo
Today · 4.125%
HK$88,698
baseline
▲ 0.50% · 4.625%
HK$94,095
+HK$5,397/mo
Deposit HK$2.03M · loan HK$18.30M · min. income ≈ HK$177,396/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$783,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,853
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$95,343
−HK$2,526/mo
Today · 4.125%
HK$97,869
baseline
▲ 0.50% · 4.625%
HK$103,028
+HK$5,159/mo
Deposit HK$2.03M · loan HK$18.30M · min. income ≈ HK$195,738/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$783,489 · Scale 2, in force from 26 Feb 2026)