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$46,307
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,747
−HK$1,464/mo
Today · 4.125%
HK$49,211
baseline
▲ 0.50% · 4.625%
HK$52,205
+HK$2,994/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$98,422/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$780,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,516
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$52,898
−HK$1,401/mo
Today · 4.125%
HK$54,299
baseline
▲ 0.50% · 4.625%
HK$57,161
+HK$2,862/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$108,598/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$780,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,568
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,297
−HK$1,756/mo
Today · 4.125%
HK$59,053
baseline
▲ 0.50% · 4.625%
HK$62,646
+HK$3,593/mo
Deposit HK$8.12M · loan HK$12.18M · min. income ≈ HK$118,106/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$780,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,819
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,477
−HK$1,682/mo
Today · 4.125%
HK$65,159
baseline
▲ 0.50% · 4.625%
HK$68,594
+HK$3,435/mo
Deposit HK$8.12M · loan HK$12.18M · min. income ≈ HK$130,318/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$780,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,830
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$66,846
−HK$2,049/mo
Today · 4.125%
HK$68,895
baseline
▲ 0.50% · 4.625%
HK$73,087
+HK$4,192/mo
Deposit HK$6.09M · loan HK$14.22M · min. income ≈ HK$137,790/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$780,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,122
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$74,057
−HK$1,962/mo
Today · 4.125%
HK$76,019
baseline
▲ 0.50% · 4.625%
HK$80,026
+HK$4,007/mo
Deposit HK$6.09M · loan HK$14.22M · min. income ≈ HK$152,038/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$780,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,352
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$85,945
−HK$2,634/mo
Today · 4.125%
HK$88,579
baseline
▲ 0.50% · 4.625%
HK$93,969
+HK$5,390/mo
Deposit HK$2.03M · loan HK$18.28M · min. income ≈ HK$177,158/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$780,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,729
−HK$5,010/mo
▼ 0.25% · 3.875%
HK$95,216
−HK$2,523/mo
Today · 4.125%
HK$97,739
baseline
▲ 0.50% · 4.625%
HK$102,890
+HK$5,151/mo
Deposit HK$2.03M · loan HK$18.28M · min. income ≈ HK$195,478/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$780,776 · Scale 2, in force from 26 Feb 2026)