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$46,171
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$47,607
−HK$1,459/mo
Today · 4.125%
HK$49,066
baseline
▲ 0.50% · 4.625%
HK$52,052
+HK$2,986/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$98,132/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$774,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,364
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$52,742
−HK$1,398/mo
Today · 4.125%
HK$54,140
baseline
▲ 0.50% · 4.625%
HK$56,993
+HK$2,853/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$108,280/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$774,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,405
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$57,128
−HK$1,751/mo
Today · 4.125%
HK$58,879
baseline
▲ 0.50% · 4.625%
HK$62,462
+HK$3,583/mo
Deposit HK$8.10M · loan HK$12.15M · min. income ≈ HK$117,758/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$774,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,637
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,290
−HK$1,677/mo
Today · 4.125%
HK$64,967
baseline
▲ 0.50% · 4.625%
HK$68,392
+HK$3,425/mo
Deposit HK$8.10M · loan HK$12.15M · min. income ≈ HK$129,934/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$774,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,639
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$66,650
−HK$2,042/mo
Today · 4.125%
HK$68,692
baseline
▲ 0.50% · 4.625%
HK$72,872
+HK$4,180/mo
Deposit HK$6.07M · loan HK$14.17M · min. income ≈ HK$137,384/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$774,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,910
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$73,839
−HK$1,956/mo
Today · 4.125%
HK$75,795
baseline
▲ 0.50% · 4.625%
HK$79,791
+HK$3,996/mo
Deposit HK$6.07M · loan HK$14.17M · min. income ≈ HK$151,590/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$774,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,107
−HK$5,212/mo
▼ 0.25% · 3.875%
HK$85,692
−HK$2,627/mo
Today · 4.125%
HK$88,319
baseline
▲ 0.50% · 4.625%
HK$93,693
+HK$5,374/mo
Deposit HK$2.02M · loan HK$18.22M · min. income ≈ HK$176,638/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$774,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,456
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$94,936
−HK$2,515/mo
Today · 4.125%
HK$97,451
baseline
▲ 0.50% · 4.625%
HK$102,588
+HK$5,137/mo
Deposit HK$2.02M · loan HK$18.22M · min. income ≈ HK$194,902/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$774,804 · Scale 2, in force from 26 Feb 2026)