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$46,142
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$47,578
−HK$1,458/mo
Today · 4.125%
HK$49,036
baseline
▲ 0.50% · 4.625%
HK$52,020
+HK$2,984/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$98,072/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$773,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,333
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$52,710
−HK$1,396/mo
Today · 4.125%
HK$54,106
baseline
▲ 0.50% · 4.625%
HK$56,958
+HK$2,852/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$108,212/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$773,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,371
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$57,093
−HK$1,750/mo
Today · 4.125%
HK$58,843
baseline
▲ 0.50% · 4.625%
HK$62,423
+HK$3,580/mo
Deposit HK$8.09M · loan HK$12.14M · min. income ≈ HK$117,686/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$773,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,599
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$63,251
−HK$1,676/mo
Today · 4.125%
HK$64,927
baseline
▲ 0.50% · 4.625%
HK$68,350
+HK$3,423/mo
Deposit HK$8.09M · loan HK$12.14M · min. income ≈ HK$129,854/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$773,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,599
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$66,609
−HK$2,041/mo
Today · 4.125%
HK$68,650
baseline
▲ 0.50% · 4.625%
HK$72,827
+HK$4,177/mo
Deposit HK$6.07M · loan HK$14.16M · min. income ≈ HK$137,300/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$773,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,866
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$73,793
−HK$1,956/mo
Today · 4.125%
HK$75,749
baseline
▲ 0.50% · 4.625%
HK$79,741
+HK$3,992/mo
Deposit HK$6.07M · loan HK$14.16M · min. income ≈ HK$151,498/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$773,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,056
−HK$5,208/mo
▼ 0.25% · 3.875%
HK$85,640
−HK$2,624/mo
Today · 4.125%
HK$88,264
baseline
▲ 0.50% · 4.625%
HK$93,635
+HK$5,371/mo
Deposit HK$2.02M · loan HK$18.21M · min. income ≈ HK$176,528/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$773,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,399
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$94,877
−HK$2,514/mo
Today · 4.125%
HK$97,391
baseline
▲ 0.50% · 4.625%
HK$102,525
+HK$5,134/mo
Deposit HK$2.02M · loan HK$18.21M · min. income ≈ HK$194,782/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$773,558 · Scale 2, in force from 26 Feb 2026)