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$46,276
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$47,715
−HK$1,462/mo
Today · 4.125%
HK$49,177
baseline
▲ 0.50% · 4.625%
HK$52,170
+HK$2,993/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$98,354/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$779,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,481
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$52,862
−HK$1,400/mo
Today · 4.125%
HK$54,262
baseline
▲ 0.50% · 4.625%
HK$57,123
+HK$2,861/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$108,524/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$779,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,531
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$57,258
−HK$1,755/mo
Today · 4.125%
HK$59,013
baseline
▲ 0.50% · 4.625%
HK$62,604
+HK$3,591/mo
Deposit HK$8.12M · loan HK$12.18M · min. income ≈ HK$118,026/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$779,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,777
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$63,434
−HK$1,681/mo
Today · 4.125%
HK$65,115
baseline
▲ 0.50% · 4.625%
HK$68,547
+HK$3,432/mo
Deposit HK$8.12M · loan HK$12.18M · min. income ≈ HK$130,230/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$779,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,786
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$66,801
−HK$2,047/mo
Today · 4.125%
HK$68,848
baseline
▲ 0.50% · 4.625%
HK$73,038
+HK$4,190/mo
Deposit HK$6.09M · loan HK$14.21M · min. income ≈ HK$137,696/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$779,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,073
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$74,006
−HK$1,961/mo
Today · 4.125%
HK$75,967
baseline
▲ 0.50% · 4.625%
HK$79,972
+HK$4,005/mo
Deposit HK$6.09M · loan HK$14.21M · min. income ≈ HK$151,934/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$779,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,296
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$85,887
−HK$2,632/mo
Today · 4.125%
HK$88,519
baseline
▲ 0.50% · 4.625%
HK$93,905
+HK$5,386/mo
Deposit HK$2.03M · loan HK$18.26M · min. income ≈ HK$177,038/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$779,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,666
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$95,151
−HK$2,521/mo
Today · 4.125%
HK$97,672
baseline
▲ 0.50% · 4.625%
HK$102,821
+HK$5,149/mo
Deposit HK$2.03M · loan HK$18.26M · min. income ≈ HK$195,344/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$779,399 · Scale 2, in force from 26 Feb 2026)