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$46,334
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,776
−HK$1,464/mo
Today · 4.125%
HK$49,240
baseline
▲ 0.50% · 4.625%
HK$52,236
+HK$2,996/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$98,480/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$781,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,547
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$52,929
−HK$1,402/mo
Today · 4.125%
HK$54,331
baseline
▲ 0.50% · 4.625%
HK$57,195
+HK$2,864/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$108,662/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$781,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,601
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$57,331
−HK$1,757/mo
Today · 4.125%
HK$59,088
baseline
▲ 0.50% · 4.625%
HK$62,683
+HK$3,595/mo
Deposit HK$8.13M · loan HK$12.19M · min. income ≈ HK$118,176/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$781,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,856
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$63,515
−HK$1,683/mo
Today · 4.125%
HK$65,198
baseline
▲ 0.50% · 4.625%
HK$68,634
+HK$3,436/mo
Deposit HK$8.13M · loan HK$12.19M · min. income ≈ HK$130,396/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$781,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,868
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$66,886
−HK$2,050/mo
Today · 4.125%
HK$68,936
baseline
▲ 0.50% · 4.625%
HK$73,131
+HK$4,195/mo
Deposit HK$6.10M · loan HK$14.22M · min. income ≈ HK$137,872/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$781,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,165
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$74,101
−HK$1,963/mo
Today · 4.125%
HK$76,064
baseline
▲ 0.50% · 4.625%
HK$80,073
+HK$4,009/mo
Deposit HK$6.10M · loan HK$14.22M · min. income ≈ HK$152,128/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$781,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,402
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$85,996
−HK$2,636/mo
Today · 4.125%
HK$88,632
baseline
▲ 0.50% · 4.625%
HK$94,025
+HK$5,393/mo
Deposit HK$2.03M · loan HK$18.29M · min. income ≈ HK$177,264/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$781,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,784
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$95,272
−HK$2,525/mo
Today · 4.125%
HK$97,797
baseline
▲ 0.50% · 4.625%
HK$102,952
+HK$5,155/mo
Deposit HK$2.03M · loan HK$18.29M · min. income ≈ HK$195,594/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$781,981 · Scale 2, in force from 26 Feb 2026)