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$46,157
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$47,592
−HK$1,459/mo
Today · 4.125%
HK$49,051
baseline
▲ 0.50% · 4.625%
HK$52,036
+HK$2,985/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$98,102/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$774,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,349
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$52,726
−HK$1,397/mo
Today · 4.125%
HK$54,123
baseline
▲ 0.50% · 4.625%
HK$56,976
+HK$2,853/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$108,246/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$774,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,388
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,111
−HK$1,750/mo
Today · 4.125%
HK$58,861
baseline
▲ 0.50% · 4.625%
HK$62,443
+HK$3,582/mo
Deposit HK$8.10M · loan HK$12.15M · min. income ≈ HK$117,722/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$774,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,619
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$63,271
−HK$1,677/mo
Today · 4.125%
HK$64,948
baseline
▲ 0.50% · 4.625%
HK$68,371
+HK$3,423/mo
Deposit HK$8.10M · loan HK$12.15M · min. income ≈ HK$129,896/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$774,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,619
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$66,629
−HK$2,043/mo
Today · 4.125%
HK$68,672
baseline
▲ 0.50% · 4.625%
HK$72,850
+HK$4,178/mo
Deposit HK$6.07M · loan HK$14.17M · min. income ≈ HK$137,344/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$774,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,888
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$73,816
−HK$1,956/mo
Today · 4.125%
HK$75,772
baseline
▲ 0.50% · 4.625%
HK$79,766
+HK$3,994/mo
Deposit HK$6.07M · loan HK$14.17M · min. income ≈ HK$151,544/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$774,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,082
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$85,666
−HK$2,626/mo
Today · 4.125%
HK$88,292
baseline
▲ 0.50% · 4.625%
HK$93,664
+HK$5,372/mo
Deposit HK$2.02M · loan HK$18.22M · min. income ≈ HK$176,584/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$774,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,428
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$94,907
−HK$2,515/mo
Today · 4.125%
HK$97,422
baseline
▲ 0.50% · 4.625%
HK$102,557
+HK$5,135/mo
Deposit HK$2.02M · loan HK$18.22M · min. income ≈ HK$194,844/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$774,189 · Scale 2, in force from 26 Feb 2026)