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$46,315
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,755
−HK$1,464/mo
Today · 4.125%
HK$49,219
baseline
▲ 0.50% · 4.625%
HK$52,214
+HK$2,995/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$98,438/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$781,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,525
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$52,906
−HK$1,402/mo
Today · 4.125%
HK$54,308
baseline
▲ 0.50% · 4.625%
HK$57,171
+HK$2,863/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$108,616/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$781,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,578
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,306
−HK$1,757/mo
Today · 4.125%
HK$59,063
baseline
▲ 0.50% · 4.625%
HK$62,657
+HK$3,594/mo
Deposit HK$8.12M · loan HK$12.19M · min. income ≈ HK$118,126/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$781,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,829
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$63,488
−HK$1,682/mo
Today · 4.125%
HK$65,170
baseline
▲ 0.50% · 4.625%
HK$68,605
+HK$3,435/mo
Deposit HK$8.12M · loan HK$12.19M · min. income ≈ HK$130,340/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$781,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,840
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$66,857
−HK$2,050/mo
Today · 4.125%
HK$68,907
baseline
▲ 0.50% · 4.625%
HK$73,099
+HK$4,192/mo
Deposit HK$6.09M · loan HK$14.22M · min. income ≈ HK$137,814/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$781,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,134
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$74,069
−HK$1,963/mo
Today · 4.125%
HK$76,032
baseline
▲ 0.50% · 4.625%
HK$80,039
+HK$4,007/mo
Deposit HK$6.09M · loan HK$14.22M · min. income ≈ HK$152,064/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$781,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,366
−HK$5,228/mo
▼ 0.25% · 3.875%
HK$85,959
−HK$2,635/mo
Today · 4.125%
HK$88,594
baseline
▲ 0.50% · 4.625%
HK$93,985
+HK$5,391/mo
Deposit HK$2.03M · loan HK$18.28M · min. income ≈ HK$177,188/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$781,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,744
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$95,232
−HK$2,523/mo
Today · 4.125%
HK$97,755
baseline
▲ 0.50% · 4.625%
HK$102,908
+HK$5,153/mo
Deposit HK$2.03M · loan HK$18.28M · min. income ≈ HK$195,510/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$781,115 · Scale 2, in force from 26 Feb 2026)