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$46,321
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$47,762
−HK$1,464/mo
Today · 4.125%
HK$49,226
baseline
▲ 0.50% · 4.625%
HK$52,221
+HK$2,995/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$98,452/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$781,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,532
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$52,914
−HK$1,402/mo
Today · 4.125%
HK$54,316
baseline
▲ 0.50% · 4.625%
HK$57,179
+HK$2,863/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$108,632/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$781,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,585
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$57,314
−HK$1,757/mo
Today · 4.125%
HK$59,071
baseline
▲ 0.50% · 4.625%
HK$62,665
+HK$3,594/mo
Deposit HK$8.13M · loan HK$12.19M · min. income ≈ HK$118,142/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$781,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,838
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$63,497
−HK$1,682/mo
Today · 4.125%
HK$65,179
baseline
▲ 0.50% · 4.625%
HK$68,615
+HK$3,436/mo
Deposit HK$8.13M · loan HK$12.19M · min. income ≈ HK$130,358/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$781,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,850
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$66,867
−HK$2,049/mo
Today · 4.125%
HK$68,916
baseline
▲ 0.50% · 4.625%
HK$73,110
+HK$4,194/mo
Deposit HK$6.09M · loan HK$14.22M · min. income ≈ HK$137,832/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$781,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,145
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$74,080
−HK$1,962/mo
Today · 4.125%
HK$76,042
baseline
▲ 0.50% · 4.625%
HK$80,051
+HK$4,009/mo
Deposit HK$6.09M · loan HK$14.22M · min. income ≈ HK$152,084/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$781,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,378
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$85,972
−HK$2,635/mo
Today · 4.125%
HK$88,607
baseline
▲ 0.50% · 4.625%
HK$93,998
+HK$5,391/mo
Deposit HK$2.03M · loan HK$18.28M · min. income ≈ HK$177,214/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$781,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,757
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$95,245
−HK$2,524/mo
Today · 4.125%
HK$97,769
baseline
▲ 0.50% · 4.625%
HK$102,922
+HK$5,153/mo
Deposit HK$2.03M · loan HK$18.28M · min. income ≈ HK$195,538/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$781,404 · Scale 2, in force from 26 Feb 2026)