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$46,373
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$47,816
−HK$1,465/mo
Today · 4.125%
HK$49,281
baseline
▲ 0.50% · 4.625%
HK$52,280
+HK$2,999/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$98,562/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$783,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,590
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$52,973
−HK$1,404/mo
Today · 4.125%
HK$54,377
baseline
▲ 0.50% · 4.625%
HK$57,243
+HK$2,866/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$108,754/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$783,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,648
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$57,379
−HK$1,758/mo
Today · 4.125%
HK$59,137
baseline
▲ 0.50% · 4.625%
HK$62,736
+HK$3,599/mo
Deposit HK$8.13M · loan HK$12.20M · min. income ≈ HK$118,274/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$783,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,908
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$63,568
−HK$1,684/mo
Today · 4.125%
HK$65,252
baseline
▲ 0.50% · 4.625%
HK$68,692
+HK$3,440/mo
Deposit HK$8.13M · loan HK$12.20M · min. income ≈ HK$130,504/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$783,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,922
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$66,942
−HK$2,052/mo
Today · 4.125%
HK$68,994
baseline
▲ 0.50% · 4.625%
HK$73,192
+HK$4,198/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$137,988/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$783,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,226
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$74,163
−HK$1,965/mo
Today · 4.125%
HK$76,128
baseline
▲ 0.50% · 4.625%
HK$80,140
+HK$4,012/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$152,256/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$783,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,472
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$86,068
−HK$2,638/mo
Today · 4.125%
HK$88,706
baseline
▲ 0.50% · 4.625%
HK$94,104
+HK$5,398/mo
Deposit HK$2.03M · loan HK$18.30M · min. income ≈ HK$177,412/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$783,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,861
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$95,352
−HK$2,526/mo
Today · 4.125%
HK$97,878
baseline
▲ 0.50% · 4.625%
HK$103,038
+HK$5,160/mo
Deposit HK$2.03M · loan HK$18.30M · min. income ≈ HK$195,756/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$783,682 · Scale 2, in force from 26 Feb 2026)