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$46,389
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,832
−HK$1,466/mo
Today · 4.125%
HK$49,298
baseline
▲ 0.50% · 4.625%
HK$52,298
+HK$3,000/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$98,596/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$784,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,608
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$52,992
−HK$1,404/mo
Today · 4.125%
HK$54,396
baseline
▲ 0.50% · 4.625%
HK$57,263
+HK$2,867/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$108,792/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$784,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,667
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$57,399
−HK$1,759/mo
Today · 4.125%
HK$59,158
baseline
▲ 0.50% · 4.625%
HK$62,758
+HK$3,600/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$118,316/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$784,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,929
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,590
−HK$1,685/mo
Today · 4.125%
HK$65,275
baseline
▲ 0.50% · 4.625%
HK$68,716
+HK$3,441/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$130,550/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$784,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,945
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$66,965
−HK$2,053/mo
Today · 4.125%
HK$69,018
baseline
▲ 0.50% · 4.625%
HK$73,217
+HK$4,199/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$138,036/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$784,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,251
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$74,188
−HK$1,966/mo
Today · 4.125%
HK$76,154
baseline
▲ 0.50% · 4.625%
HK$80,168
+HK$4,014/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$152,308/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$784,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,501
−HK$5,236/mo
▼ 0.25% · 3.875%
HK$86,098
−HK$2,639/mo
Today · 4.125%
HK$88,737
baseline
▲ 0.50% · 4.625%
HK$94,137
+HK$5,400/mo
Deposit HK$2.03M · loan HK$18.31M · min. income ≈ HK$177,474/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$784,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,894
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$95,385
−HK$2,528/mo
Today · 4.125%
HK$97,913
baseline
▲ 0.50% · 4.625%
HK$103,074
+HK$5,161/mo
Deposit HK$2.03M · loan HK$18.31M · min. income ≈ HK$195,826/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$784,392 · Scale 2, in force from 26 Feb 2026)