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$46,521
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$47,968
−HK$1,470/mo
Today · 4.125%
HK$49,438
baseline
▲ 0.50% · 4.625%
HK$52,447
+HK$3,009/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$98,876/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$790,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,754
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,142
−HK$1,408/mo
Today · 4.125%
HK$54,550
baseline
▲ 0.50% · 4.625%
HK$57,426
+HK$2,876/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$109,100/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$790,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,825
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$57,562
−HK$1,764/mo
Today · 4.125%
HK$59,326
baseline
▲ 0.50% · 4.625%
HK$62,936
+HK$3,610/mo
Deposit HK$8.16M · loan HK$12.24M · min. income ≈ HK$118,652/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$790,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,105
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$63,771
−HK$1,690/mo
Today · 4.125%
HK$65,461
baseline
▲ 0.50% · 4.625%
HK$68,911
+HK$3,450/mo
Deposit HK$8.16M · loan HK$12.24M · min. income ≈ HK$130,922/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$790,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,130
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,156
−HK$2,058/mo
Today · 4.125%
HK$69,214
baseline
▲ 0.50% · 4.625%
HK$73,425
+HK$4,211/mo
Deposit HK$6.12M · loan HK$14.28M · min. income ≈ HK$138,428/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$790,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,456
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$74,399
−HK$1,972/mo
Today · 4.125%
HK$76,371
baseline
▲ 0.50% · 4.625%
HK$80,396
+HK$4,025/mo
Deposit HK$6.12M · loan HK$14.28M · min. income ≈ HK$152,742/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$790,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,738
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$86,343
−HK$2,646/mo
Today · 4.125%
HK$88,989
baseline
▲ 0.50% · 4.625%
HK$94,404
+HK$5,415/mo
Deposit HK$2.04M · loan HK$18.36M · min. income ≈ HK$177,978/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$790,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,158
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$95,656
−HK$2,535/mo
Today · 4.125%
HK$98,191
baseline
▲ 0.50% · 4.625%
HK$103,367
+HK$5,176/mo
Deposit HK$2.04M · loan HK$18.36M · min. income ≈ HK$196,382/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$790,174 · Scale 2, in force from 26 Feb 2026)