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$46,534
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$47,982
−HK$1,470/mo
Today · 4.125%
HK$49,452
baseline
▲ 0.50% · 4.625%
HK$52,462
+HK$3,010/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$98,904/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$790,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,769
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$53,157
−HK$1,409/mo
Today · 4.125%
HK$54,566
baseline
▲ 0.50% · 4.625%
HK$57,442
+HK$2,876/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$109,132/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$790,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,841
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$57,578
−HK$1,765/mo
Today · 4.125%
HK$59,343
baseline
▲ 0.50% · 4.625%
HK$62,954
+HK$3,611/mo
Deposit HK$8.16M · loan HK$12.24M · min. income ≈ HK$118,686/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$790,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,123
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$63,789
−HK$1,690/mo
Today · 4.125%
HK$65,479
baseline
▲ 0.50% · 4.625%
HK$68,931
+HK$3,452/mo
Deposit HK$8.16M · loan HK$12.24M · min. income ≈ HK$130,958/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$790,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,148
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$67,175
−HK$2,058/mo
Today · 4.125%
HK$69,233
baseline
▲ 0.50% · 4.625%
HK$73,446
+HK$4,213/mo
Deposit HK$6.12M · loan HK$14.29M · min. income ≈ HK$138,466/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$790,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,477
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$74,420
−HK$1,972/mo
Today · 4.125%
HK$76,392
baseline
▲ 0.50% · 4.625%
HK$80,419
+HK$4,027/mo
Deposit HK$6.12M · loan HK$14.29M · min. income ≈ HK$152,784/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$790,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,762
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$86,367
−HK$2,647/mo
Today · 4.125%
HK$89,014
baseline
▲ 0.50% · 4.625%
HK$94,431
+HK$5,417/mo
Deposit HK$2.04M · loan HK$18.37M · min. income ≈ HK$178,028/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$790,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,184
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$95,683
−HK$2,536/mo
Today · 4.125%
HK$98,219
baseline
▲ 0.50% · 4.625%
HK$103,396
+HK$5,177/mo
Deposit HK$2.04M · loan HK$18.37M · min. income ≈ HK$196,438/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$790,752 · Scale 2, in force from 26 Feb 2026)