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$46,528
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$47,976
−HK$1,470/mo
Today · 4.125%
HK$49,446
baseline
▲ 0.50% · 4.625%
HK$52,455
+HK$3,009/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$98,892/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$790,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,762
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$53,150
−HK$1,409/mo
Today · 4.125%
HK$54,559
baseline
▲ 0.50% · 4.625%
HK$57,435
+HK$2,876/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$109,118/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$790,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,834
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$57,571
−HK$1,764/mo
Today · 4.125%
HK$59,335
baseline
▲ 0.50% · 4.625%
HK$62,946
+HK$3,611/mo
Deposit HK$8.16M · loan HK$12.24M · min. income ≈ HK$118,670/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$790,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,115
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$63,781
−HK$1,689/mo
Today · 4.125%
HK$65,470
baseline
▲ 0.50% · 4.625%
HK$68,922
+HK$3,452/mo
Deposit HK$8.16M · loan HK$12.24M · min. income ≈ HK$130,940/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$790,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,140
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,166
−HK$2,058/mo
Today · 4.125%
HK$69,224
baseline
▲ 0.50% · 4.625%
HK$73,436
+HK$4,212/mo
Deposit HK$6.12M · loan HK$14.28M · min. income ≈ HK$138,448/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$790,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,467
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$74,411
−HK$1,971/mo
Today · 4.125%
HK$76,382
baseline
▲ 0.50% · 4.625%
HK$80,408
+HK$4,026/mo
Deposit HK$6.12M · loan HK$14.28M · min. income ≈ HK$152,764/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$790,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,751
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$86,356
−HK$2,647/mo
Today · 4.125%
HK$89,003
baseline
▲ 0.50% · 4.625%
HK$94,418
+HK$5,415/mo
Deposit HK$2.04M · loan HK$18.36M · min. income ≈ HK$178,006/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$790,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,172
−HK$5,034/mo
▼ 0.25% · 3.875%
HK$95,671
−HK$2,535/mo
Today · 4.125%
HK$98,206
baseline
▲ 0.50% · 4.625%
HK$103,382
+HK$5,176/mo
Deposit HK$2.04M · loan HK$18.36M · min. income ≈ HK$196,412/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$790,483 · Scale 2, in force from 26 Feb 2026)