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$46,332
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,774
−HK$1,464/mo
Today · 4.125%
HK$49,238
baseline
▲ 0.50% · 4.625%
HK$52,234
+HK$2,996/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$98,476/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$781,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,544
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,927
−HK$1,402/mo
Today · 4.125%
HK$54,329
baseline
▲ 0.50% · 4.625%
HK$57,193
+HK$2,864/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$108,658/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$781,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,599
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$57,328
−HK$1,757/mo
Today · 4.125%
HK$59,085
baseline
▲ 0.50% · 4.625%
HK$62,681
+HK$3,596/mo
Deposit HK$8.13M · loan HK$12.19M · min. income ≈ HK$118,170/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$781,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,853
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$63,512
−HK$1,683/mo
Today · 4.125%
HK$65,195
baseline
▲ 0.50% · 4.625%
HK$68,631
+HK$3,436/mo
Deposit HK$8.13M · loan HK$12.19M · min. income ≈ HK$130,390/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$781,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,865
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$66,883
−HK$2,050/mo
Today · 4.125%
HK$68,933
baseline
▲ 0.50% · 4.625%
HK$73,127
+HK$4,194/mo
Deposit HK$6.10M · loan HK$14.22M · min. income ≈ HK$137,866/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$781,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,162
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$74,097
−HK$1,964/mo
Today · 4.125%
HK$76,061
baseline
▲ 0.50% · 4.625%
HK$80,070
+HK$4,009/mo
Deposit HK$6.10M · loan HK$14.22M · min. income ≈ HK$152,122/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$781,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,398
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$85,992
−HK$2,636/mo
Today · 4.125%
HK$88,628
baseline
▲ 0.50% · 4.625%
HK$94,021
+HK$5,393/mo
Deposit HK$2.03M · loan HK$18.29M · min. income ≈ HK$177,256/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$781,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,780
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$95,268
−HK$2,524/mo
Today · 4.125%
HK$97,792
baseline
▲ 0.50% · 4.625%
HK$102,947
+HK$5,155/mo
Deposit HK$2.03M · loan HK$18.29M · min. income ≈ HK$195,584/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$781,892 · Scale 2, in force from 26 Feb 2026)